You can close a Chase account by phone, in person, or online, depending on the account type

The fastest way to close a Chase checking or savings account is to call their customer service line at 1-800-935-9935. A representative will verify your identity, confirm you have no pending transactions, and process the closure on the call. If you have a Chase credit card, you'll need to call the credit card line at 1-800-432-3117 instead. Closing takes a few minutes once you're connected to the right department.

You can also close an account in person at any Chase branch. Bring a photo ID and your account number or debit card. A banker will walk through the same steps: checking for pending activity, confirming your balance, and arranging how to receive any remaining funds. This route works well if you want to withdraw cash at the same time or prefer to handle it face-to-face.

Online closure is available for some Chase accounts through the mobile app or website, though the option doesn't appear for all account types. Log into your account, look for account settings or account management, and search for a close account option. If you don't see it, phone or branch closure is your next step.

Key Takeaways

  • Call 1-800-935-9935 for checking or savings accounts, or 1-800-432-3117 for credit cards, and have your account number ready.
  • You must have a zero balance or arrange to transfer or withdraw remaining funds before the account closes.
  • Set up direct deposit redirection or collect any pending paychecks before you close, so money doesn't land in a closed account.
  • Ask Chase to confirm the closure in writing, either by email or mail, so you have proof the account is closed.
  • Check your credit report a few weeks after closing a credit card to confirm it shows as closed on your record.

What to do with money still in the account

Before Chase will close your account, your balance must be zero. If you have money in the account, you have three options: transfer it to another bank account, withdraw it in cash at a branch, or ask Chase to mail you a check.

Transfer is the fastest if you have another bank account set up. During the closure call or visit, tell the representative where you want the money to go. They can initiate an internal transfer to another Chase account immediately, or you can provide routing and account numbers for a transfer to a different bank (this usually takes one to three business days).

Withdrawal in cash works if you're closing at a branch and the balance is reasonable. The teller will count out the cash and close the account on the spot. If you're closing by phone and want cash, you'll need to visit a branch separately to withdraw before the account closes.

A check is the slowest option but works if you're not in a hurry. Chase will mail it to the address on file, usually within five to seven business days after closure. Make sure your mailing address is current before you close, or the check could go to an old address.

Stopping direct deposits and automatic payments before closure

If your paycheck or other regular deposits go to this Chase account, you must redirect them before you close. Once the account is closed, deposits will bounce back to the sender, and your employer or benefits provider may charge a fee or delay your next payment while they update their records.

Contact your employer's payroll department or the organization sending the deposit (Social Security, unemployment, benefits) and provide your new account number at least one week before you plan to close. Some employers take several pay cycles to process the change, so start early.

Automatic payments—bills, subscriptions, loan payments—also need to be moved or cancelled. Log into each service (utilities, insurance, loan servicer) and update the payment method or account number. If you cancel without setting up a new payment method, you're responsible for paying manually or the payment will fail and you may face late fees.

Check your account for the full 30 days before closure to catch any recurring charges you may have forgotten about. Once the account closes, it's harder to recover if a payment bounces.

What happens to pending checks and transfers

If you've written checks that haven't cleared yet, they will still go through after you close the account—Chase keeps the account open long enough to process them. However, if a check arrives after the account is fully closed, it will bounce. For this reason, wait until you know all outstanding checks have cleared before closing.

Pending transfers you initiated will complete as scheduled. If you started a transfer to another bank and then close the account before it finishes, Chase will still send the money to the destination account. The closure won't stop it.

If someone else has sent you a transfer that hasn't arrived yet, it will bounce if the account is closed. Ask the sender to cancel and resend to your new account once you've closed this one.

Closing a Chase credit card account

Credit card closure works differently from a checking or savings account. You don't need a zero balance to close—you can carry a balance and keep paying it after the account closes. However, closing a credit card can affect your credit score because it reduces your total available credit and changes the age of your credit mix.

Call the credit card line at 1-800-432-3117 and tell the representative you want to close the card. They may offer you incentives to keep it open (rewards points, waived fees). If you want to close anyway, confirm that any remaining balance will be payable by mail or automatic payment, and ask them to note in your file that you requested the closure.

After closure, you can still make payments on any remaining balance. Chase will send you statements until the balance is paid off. Once it reaches zero, the account will show as closed on your credit report.

Getting confirmation of closure

After you close the account by phone or in person, ask the representative for a confirmation number. Write it down immediately. This number proves you closed the account on a specific date and can help if there's a dispute later.

Request written confirmation by email or mail. Chase should send you a letter within one to two weeks confirming the closure date and final balance. Keep this letter with your records. If you don't receive it within three weeks, call back and ask them to resend it or confirm the closure status.

Check your credit report two to four weeks after closing a credit card to make sure it shows as closed. You can view your credit report free once per year at annualcreditreport.com. If it still shows as open, contact Chase and ask them to update it.

Frequently Asked Questions

Can I close my Chase account if I have a negative balance?

No. You must pay the negative balance (the amount you owe Chase) before closure. You can do this by transferring money from another account, depositing cash, or setting up a payment plan with Chase if the amount is large. Once the balance is zero or positive, you can close.

What if I have a Chase loan tied to my account?

You cannot close a checking or savings account if an active loan is linked to it. Contact Chase loan services to discuss your options—you may need to move the loan to a different account or pay it off first. The representative can tell you which applies to your situation.

How long does it take for a closed Chase account to stop showing up on my credit report?

A closed account stays on your credit report for seven years. It will show as closed, which is normal and doesn't hurt your score. After seven years, it falls off automatically. You don't need to do anything to remove it.

Can I reopen a Chase account after I close it?

Yes, but only within a certain window. If you close an account and want to reopen it within 90 days, Chase may allow it without a new application. After 90 days, you'll need to open a new account as if you were a new customer. Call 1-800-935-9935 to ask if your specific account can be reopened.

What if I close my account and then a bill payment bounces?

You're responsible for any fees charged by the merchant or biller. The best protection is to update all automatic payments before you close and to wait until you're certain all pending checks have cleared. If a payment does bounce after closure, contact the biller to explain and ask them to resubmit once you've provided a new account number.