Close your Chase checking account by phone, in person, or online

You can close a Chase checking account through three routes: calling Chase customer service at 1-800-935-9935, visiting a Chase branch in person, or using the Chase mobile app or website. The fastest method is usually a phone call, which takes about 10 minutes. If you close in person, bring a photo ID. Online closure through the app or website is available for some account types but not all — if the option does not appear in your account settings, you will need to use phone or branch.

Before you close, make sure your account balance is zero or positive (no overdraft), all pending transactions have cleared, and you have set up a new payment method for any bills or subscriptions still drawing from that account. Chase will not close an account with an outstanding negative balance. If you have automatic payments scheduled, you must cancel or redirect them first — the bank will not do this for you.

After closure, Chase keeps your account records for seven years. You can still dispute transactions or request copies of statements during that time. The account number becomes inactive immediately, so any payment attempts to that account will fail.

Key Takeaways

  • Call 1-800-935-9935, visit a branch with photo ID, or use the Chase app to close your account — phone is usually fastest.
  • Your account balance must be zero or positive; Chase will not close accounts with overdrafts or negative balances.
  • Cancel or redirect all automatic payments and subscriptions before closing, because Chase does not transfer them automatically.
  • After closure, Chase retains your records for seven years and can still process disputes or issue statement copies.
  • The account number stops working immediately, so any payments sent to it after closure will fail.

What to do before you call or visit

Spend a few days before closing to redirect money and payments. Log into your Chase account and check for any automatic bill payments, subscription charges, or recurring transfers. Common ones include utilities, insurance, streaming services, gym memberships, and loan payments. For each one, log into the biller's website or app and update the payment method to a new account or card, or pause the service if you are canceling it.

Transfer any remaining balance to another account if you want to keep the money. You can move it to another bank via external transfer (takes one to three business days) or to another Chase account you own (usually instant). If your balance is small, you can also withdraw it as cash at a Chase ATM or branch.

If you have a Chase debit card linked to this account, decide whether to keep it. Closing the account deactivates the card, so any recurring charges to that card will fail after closure. If you want to keep the card active, you will need to link it to a different Chase checking account first — you can do this in the Chase app under card settings.

Closing by phone

Call Chase customer service at 1-800-935-9935. Have your account number and photo ID information ready. Tell the representative you want to close your checking account. They will verify your identity by asking for your Social Security number, date of birth, or answers to security questions you set up when you opened the account.

The representative will confirm your account balance and ask whether you want any remaining funds mailed to you as a check or transferred to another account. If your balance is zero, they will simply close it. The closure is effective immediately, though it may take one to two business days to appear in your online account.

Ask the representative for a confirmation number before you hang up. Write it down with the date and time of the call. If you need to reference the closure later — for example, to dispute a charge or explain why a payment failed — you will have proof of when you closed it.

Closing at a Chase branch

Visit any Chase branch during business hours with a photo ID and your debit card (if you have one). Tell a teller you want to close your checking account. They will pull up your account, confirm the balance, and ask how you want to handle any remaining funds. If your balance is positive, they can issue a check on the spot, transfer the money to another account, or give you cash.

The teller will print a closure confirmation slip. Keep this receipt — it shows the date, time, and final balance. If anything goes wrong later (for example, a payment tries to post to the closed account), you have proof of when the account was closed.

If you have a Chase debit card, the teller will deactivate it or ask you to destroy it. If you want to keep the card active, tell them before they deactivate it so they can link it to a different account first.

Closing through the Chase app or website

Open the Chase mobile app or go to chase.com and log in. Navigate to your checking account and look for a settings or account options menu — this is usually a gear icon or three-dot menu. Some accounts show a "Close Account" option; others do not. If you see it, tap or click it and follow the prompts to confirm closure.

Not all account types allow online closure. If the option does not appear, you will need to close by phone or in person. This is common for accounts with certain features, linked credit lines, or recent activity flags.

If you close online, you will receive a confirmation screen and an email receipt. Keep the email. The closure is effective immediately, though it may take a business day to fully process.

What happens after you close

Your account number becomes inactive right away. Any automatic payments or transfers scheduled to post after closure will fail and bounce back to the biller. This is why you must redirect payments before closing — if you miss one, the biller will see a failed payment and may charge you a late fee or report it to your credit file.

Chase will send you a final statement showing the closure date and any last transactions. This arrives by mail within one to two weeks, or you can view it online if you keep your Chase login active. Your online account access may remain available for 30 to 90 days after closure so you can download statements or dispute transactions.

If a payment or charge posts to the closed account after closure, it will be rejected. The merchant will receive a notice that the account is closed. If this happens with a bill you thought you had redirected, contact the biller immediately to update your payment method and ask them to resubmit the charge.

If you have overdraft protection or a linked credit line

Chase overdraft protection links your checking account to a savings account or credit line so that if you overdraft, the bank automatically transfers money to cover it. If your checking account has this feature, you must disable it before closing. Log into your account online or call 1-800-935-9935 and ask the representative to remove overdraft protection.

If your account is linked to a Chase credit line (like a Chase Sapphire or Freedom card used as overdraft backup), the representative will disconnect the link during closure. This does not close the credit card — it only removes the overdraft connection.

If you try to close an account with overdraft protection still active, Chase may ask you to disable it first. This is a quick step but can delay closure by a day if you are doing it by phone.

Frequently Asked Questions

Can I reopen a Chase checking account after I close it?

Yes. You can open a new Chase checking account at any time, either online, by phone, or in a branch. There is no waiting period. However, if your account was closed due to fraud or policy violations, Chase may restrict you from opening a new account for a period of time — this is rare and would have been explained when your account was closed.

What if I have a pending direct deposit or check that has not cleared yet?

Wait for it to clear before closing. If a direct deposit or check posts after the account is closed, it will be rejected and returned to the sender. This can delay your paycheck or cause a check to bounce. Check your recent transactions to see if anything is still pending, and wait two to three business days after the last transaction before closing.

Do I need to close my Chase credit card when I close my checking account?

No. Your checking account and credit card are separate products. Closing one does not affect the other. Your credit card will remain open and active unless you specifically close it.

Will closing my account hurt my credit score?

Closing a checking account does not affect your credit score. Credit scores are based on credit history (loans, credit cards, payment history), not on checking or savings accounts. Closing a checking account leaves no mark on your credit report.

What if Chase says my account has a negative balance?

You must pay the negative balance before closing. The amount owed is usually small — often $25 to $35 in overdraft fees. You can pay it by transferring money from another account, depositing cash at a branch or ATM, or having the representative deduct it from any remaining balance. Once the balance is zero or positive, the account can be closed.