You cannot delete a savings account from the Chase app—you have to call Chase or visit a branch
The Chase mobile app lets you view your savings account, move money between accounts, and manage settings, but it does not have a feature to close the account itself. To close a savings account, you must contact Chase directly by phone, through their website, or in person at a branch. This is a security measure: Chase requires you to confirm the closure with a representative who can verify your identity and make sure you understand what happens to any remaining balance.
The process is straightforward and takes about 10 to 15 minutes on a phone call. You will need to have your account number ready, though Chase can look it up by your Social Security number if needed. If you have a zero balance, the closure is immediate. If you have money in the account, Chase will either transfer it to another account you specify or mail you a check.
Key Takeaways
- Close a Chase savings account by calling 1-800-935-9935, visiting Chase.com, or going to a branch in person—the app itself has no closure option.
- Have your account number or Social Security number ready when you call, and know which account you want any remaining balance transferred to.
- If your account has a zero balance, closure happens immediately; if it has money, Chase transfers it to another account or mails a check within 5 to 7 business days.
- Closing an account does not affect your credit score, but it may affect your account history if you close it within a short time of opening it.
- If you have pending transactions or automatic payments linked to the account, contact Chase before closing to avoid failed transfers.
How to close your account by phone
Call Chase at 1-800-935-9935 and tell the representative you want to close your savings account. Have your account number ready, or be prepared to provide your Social Security number so they can pull up your account. The representative will ask you to confirm your identity by answering security questions or providing other verification information.
Once verified, the representative will ask where you want any remaining balance sent. You can have it transferred to another Chase account you own, transferred to an account at a different bank (you will need to provide the routing number and account number), or mailed to you as a check. The representative will also ask whether you have any automatic payments or transfers linked to the account—if you do, you should cancel or redirect them before closing.
The call typically takes 10 to 15 minutes. The representative will confirm the closure and may give you a reference number. If your account has a zero balance, it closes immediately. If it has money, the transfer or check is processed within 5 to 7 business days.
Closing your account online through Chase.com
You can also close a savings account through the Chase website without calling. Log in to Chase.com, go to your account settings, and look for the option to close an account—this is usually under "Account Services" or "Manage Accounts." Chase will walk you through the same steps: confirming your identity, choosing where to send any remaining balance, and reviewing any linked payments or transfers.
The online process is self-service and takes about the same amount of time as a phone call. Once you submit the closure request, Chase will send you a confirmation email. If your account has a zero balance, it closes right away. If it has money, you will see the transfer or check processing within 5 to 7 business days.
Closing your account in person at a Chase branch
You can walk into any Chase branch and ask to close your savings account. Bring a photo ID and your account number if you have it. The branch representative will verify your identity, ask where you want any remaining balance sent, and process the closure on the spot.
In-person closure is useful if you have questions about the process, want to make sure there are no pending issues with the account, or prefer to handle it face-to-face. The timeline is the same: immediate closure if the balance is zero, or a transfer or check within 5 to 7 business days if there is money in the account.
What happens to money still in the account
If your savings account has a balance when you close it, Chase will not delete the money. You must tell the representative or the system where to send it. Your options are:
- Transfer to another Chase account you own (checking, savings, or money market)—this happens within 1 to 2 business days.
- Transfer to an account at a different bank—you provide the routing number and account number, and the transfer takes 3 to 5 business days.
- Receive a check mailed to your address on file—this takes 5 to 7 business days to arrive.
If you do not specify where the money should go, Chase will not process the closure. The representative will ask you to choose before the account is closed.
Checking the status of your closed account
After you close the account, it will no longer appear in your Chase app or on Chase.com as an active account. You can still see it in your account history if you need to reference old transactions for tax or record-keeping purposes—Chase keeps this information available for a set period.
If you closed the account online or by phone, check your email for a confirmation message from Chase. This email will include the date the account was closed and details about where your balance was sent. Keep this email for your records. If you do not receive a confirmation within a few hours, log back into Chase.com and check your account settings to confirm the closure went through.
What to do before you close your account
Before you call or visit Chase, take these steps to avoid problems:
- Check your account balance and decide where you want the money to go.
- Review any automatic payments, bill pay transfers, or direct deposits linked to the account and cancel or redirect them to another account.
- Make sure there are no pending transactions that have not cleared yet.
- If you have a Chase debit card tied to this savings account, note that closing the account will not close the card—but the card will no longer be able to draw from this account.
If you have pending transactions, wait for them to clear before closing. If you have automatic payments set up, contact the companies or services that pull from this account and give them your new account number, or cancel the payments entirely. Chase will not process the closure if there are unresolved transactions or payments.
Frequently Asked Questions
Will closing my savings account hurt my credit score?
No. Closing a savings account does not affect your credit score because savings accounts are not reported to credit bureaus. Your credit score is based on credit accounts like credit cards and loans. However, if you close the account very soon after opening it, it may look unusual to Chase if you open another account later, but it will not damage your credit.
Can I reopen a savings account I just closed?
Yes, you can open a new savings account with Chase at any time. There is no waiting period. However, if you closed the account due to a problem or dispute, contact Chase first to make sure the issue is resolved before you open a new one.
What if I have a pending direct deposit or automatic payment?
Contact Chase before closing to redirect or cancel these payments. If a direct deposit or automatic payment tries to process after the account is closed, it will fail and may trigger a fee from the company trying to make the payment. Update your account information with your employer or the companies that pull from this account before you close.
How long does it take for the account to fully close?
If your account has a zero balance, it closes immediately. If you have money in the account, the account itself closes right away, but the transfer or check takes 5 to 7 business days to reach you. Once the money is transferred or the check is mailed, the closure is complete.
Can I close the account if I have a negative balance?
No. You must bring the account to zero or positive before Chase will close it. If your account is negative, you owe Chase money. Contact Chase to discuss a payment plan or to pay the balance before you attempt to close the account.