Call Chase or visit a branch to close your account

The fastest way to close a Chase account is to call Chase customer service at 1-800-935-9935 (for checking and savings) or 1-800-432-1000 (for credit cards). A representative will walk you through the closure, confirm your account balance, and discuss how to receive any remaining funds. You can also close an account in person at any Chase branch by bringing a photo ID and your account number.

Before you call or visit, make sure your account balance is zero or that you are prepared to receive a refund. If you have pending transactions or automatic payments set up, those need to be resolved first—Chase will not close an account with outstanding activity. The closure typically takes effect within one to three business days, though your account may remain visible in your online banking for a few weeks after.

Key Takeaways

  • Call 1-800-935-9935 for deposit accounts or 1-800-432-1000 for credit cards to start the closure process with a representative.
  • Your account balance must be zero before closure; if there is money left, Chase will mail you a check or deposit it to another account you provide.
  • Stop all automatic payments and pending transactions before closing, or Chase will delay the closure until they clear.
  • Closing a credit card account may affect your credit score if it reduces your available credit or changes your credit utilization ratio.
  • Keep records of the closure confirmation number and date for your files in case billing disputes arise later.

Stop automatic payments and transfers before you close

Any recurring payments tied to the account—such as insurance premiums, utility bills, loan payments, or subscription services—must be redirected to another account or canceled before closure. Chase will not close an account that has active automatic payments scheduled. Log into your Chase online banking portal, go to the Payments section, and review all recurring transactions. Update each one with a new payment method or contact the biller directly to change the account number.

Similarly, if you have set up automatic transfers to other accounts (such as savings or investment accounts), pause or cancel those before calling to close. Any pending transactions that have not yet posted will also hold up the closure. Give yourself at least one full billing cycle to catch and redirect everything, especially if you have many automatic payments.

Decide what to do with your remaining balance

If your account has money in it when you request closure, Chase will not simply keep it. You have two options: Chase can mail you a check, or you can provide another bank account number where they will deposit the funds via ACH transfer. The ACH route is faster—usually three to five business days—while a mailed check can take one to two weeks to arrive, depending on postal service delays.

If you want the funds transferred electronically, have another bank account ready and provide the routing number and account number when you call. Double-check these numbers before giving them to the representative, because an error will send your money to the wrong account and create a recovery problem. If you prefer a check, confirm the mailing address on file and ask Chase to confirm it back to you before processing.

What happens to pending transactions and holds

If you have a hold on your account—for example, from a disputed transaction or a pending check—the closure will be delayed until that hold is released. Contact Chase immediately to resolve any holds before you request closure. Similarly, if you have written checks that have not yet cleared, those will still need to post to the account even after closure is requested. Chase may keep the account open in a limited state until all checks clear, which can take several weeks.

Debit card transactions that are still pending will also delay closure. These can take several days to post. If you have made recent purchases and are unsure whether they have cleared, log into your account and check the transaction history. Only after all pending items have posted should you proceed with closure.

Closing a credit card versus a deposit account

Closing a Chase credit card works differently from closing a checking or savings account. Call the number on the back of your card or 1-800-432-1000. The representative will confirm you want to close it, and the account will be marked as closed by the cardholder. However, Chase will continue to report the account to the credit bureaus for up to ten years, which is normal.

Closing a credit card can lower your credit score temporarily because it reduces your total available credit. If you have a balance on the card, you must pay it off before closure. After the account is closed, you can no longer use the card, but you remain responsible for any remaining balance. If you have rewards points or cash back pending, redeem those before closing, as they may be forfeited once the account is closed.

Confirm closure and keep your documentation

When you close your account, the representative will provide a confirmation number and a closure date. Write down both and ask for them to be sent to your email address as well. Keep this documentation in case a billing dispute arises later or if a company tries to charge the closed account. Some merchants continue to attempt charges on closed accounts for weeks or months, and having proof of the closure date helps you dispute those charges.

After closure, monitor your credit report and bank statements for a few weeks to ensure no unexpected charges appear. You can check your credit report for free once per year at annualcreditreport.com. If you see charges after the closure date, contact Chase and the merchant immediately to dispute them.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, but it depends on how long ago you closed it and why. If you closed it within the last 30 days, Chase may be able to reopen it. After 30 days, you will need to open a new account instead. If you closed it due to fraud or violation of Chase's terms, reopening may not be possible.

What if I have a pending direct deposit after I close my account?

Contact your employer or the organization sending the deposit and provide them with a new account number before the deposit is scheduled. If a direct deposit lands in a closed account, Chase will typically return it to the sender, and you will need to contact them to resubmit it to the correct account.

Will closing my account affect my credit score?

Closing a deposit account (checking or savings) does not affect your credit score because banks do not report deposit accounts to credit bureaus. Closing a credit card may lower your score temporarily by reducing available credit, but the impact usually fades within a few months.

How long does it take for my account to fully close?

Most Chase accounts close within one to three business days after you request closure, but the account may remain visible in your online banking for several weeks. If you have pending transactions or automatic payments, closure can take longer—sometimes up to 30 days.

What if I forgot to cancel a subscription before closing my account?

Contact the subscription service directly and provide them with a new payment method. If they attempt to charge the closed account, the transaction will be declined. You can then dispute any unauthorized charges with your new bank or credit card company.