Yes, you can close most Chase accounts online, but the method depends on the account type
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The process takes a few minutes: you log in, navigate to account settings, and request closure. Chase will then walk you through what happens to any remaining balance and pending transactions.
Not every account type closes online. Business accounts, credit cards, and some specialty products require a phone call to Chase customer service or a visit to a branch. If you have a mortgage or auto loan with Chase, closing a deposit account does not affect those separately—they stay open unless you close them too.
The timing matters. If you have pending deposits or automatic payments tied to the account, Chase will ask you to resolve those first. Money in the account gets mailed to you as a check or transferred to another account you specify, usually within 5 to 10 business days after closure.
Key Takeaways
- Chase checking and savings accounts close through their website or app by logging in and selecting the account closure option in settings.
- You must have a zero balance or arrange for Chase to mail a check for any remaining funds before the account fully closes.
- Pending automatic payments and direct deposits should be redirected to another account before you request closure, or Chase will hold the closure until they clear.
- Business accounts, credit cards, and some specialty accounts require a phone call to 1-800-935-9935 or a branch visit to close.
- Closed accounts remain visible in your Chase history for a period, but you cannot use them for transactions.
What happens to your money when you close the account
If your account has a balance when you request closure, Chase will not when ready shut it down. Instead, you choose how to handle the money: transfer it to another Chase account you own, transfer it to an external bank account, or have Chase mail you a check. The check option takes the longest—typically 5 to 10 business days after the account officially closes.
If you have pending transactions—a check you wrote that has not cleared, or a debit card charge that is still processing—Chase will delay the closure until those settle. This protects you from overdraft fees and ensures the account stays open long enough for the transaction to complete. Once everything clears, the account closes on the date you requested or shortly after.
Overdraft protection, if you have it linked to this account, stops working the moment you request closure. If you rely on overdraft protection for another account, set up a backup before closing.
Steps to close a Chase account online
Log into Chase.com or open the Chase mobile app. Navigate to the account you want to close—it will appear in your account list. Look for the account settings or menu option (usually three dots or a gear icon next to the account name). Select "Close Account" or "Account Services," then follow the prompts.
Chase will ask you to confirm the account has a zero balance or to choose how to handle any remaining funds. If you select a check, provide your mailing address. If you select a transfer, you will need the routing number and account number of the receiving bank. Review the closure details and confirm.
After you submit the request, you will see a confirmation number. Save this or take a screenshot. The account closure request is now in the system. Chase will send you a confirmation email within one business day. The account will close on the date shown in that confirmation, usually within 5 to 10 business days.
Account types that require a phone call or branch visit
Chase business accounts—whether checking, savings, or money market—do not close online. You must call the Chase business banking line at 1-800-935-9935 or visit a branch with a business representative authorized to close the account. Have your account number and business tax ID ready.
Credit cards close through a different process entirely and are not handled through the deposit account closure system. If you want to close a Chase credit card, you must call the number on the back of the card or log into your credit card account separately.
Chase Money Market accounts, CDs, and some specialty savings products may also require a phone call, depending on the product terms. Before you attempt to close online, check your account agreement or call 1-800-935-9935 to confirm whether your specific account type supports online closure.
What to do before you close: redirecting payments and deposits
If you have automatic bill payments set up on the account you are closing, change them to your new account before you request closure. Log into each biller's website (your utility company, insurance provider, loan servicer, etc.) and update the bank account information. This takes a few days to process, so do it at least one week before you plan to close.
Direct deposits—paychecks, government benefits, tax refunds—also need to be redirected. Contact your employer's payroll department or the organization sending the deposit and provide your new account details. Again, allow one week for the change to take effect.
If you miss redirecting something and a payment or deposit hits the closed account after closure, Chase will typically return it to the sender. The sender then has to resubmit to your new account, which delays the transaction by several days. Checking your account one week before closure to see what is still active prevents this.
What happens to your debit card and checks
When you close a Chase account, your debit card for that account stops working when ready after you request closure. You do not need to do anything—Chase deactivates it automatically. If you have a physical card, you can destroy it or let it expire.
Checks linked to the closed account will bounce if they have not cleared yet. If you have written checks that have not been deposited, contact the recipient and ask them to wait, or issue a new check from your new account. Once the account is closed, Chase will not honor any new checks drawn on it.
If you have a checkbook for the account, do not use it after closure. Write "Account Closed" on the cover or destroy the remaining checks to avoid confusion.
How to close a Chase account by phone or in person
If you prefer not to close online or your account type requires it, call Chase at 1-800-935-9935. Have your account number, Social Security number, and the last four digits of the card linked to the account ready. A representative will verify your identity, confirm the account balance, and walk you through the closure process.
You can also visit a Chase branch in person. Bring a photo ID and your account number. A teller or banker can close the account on the spot and handle any remaining balance—either transferring it to another account or issuing a check right away. In-person closure is fastest if you need the money when ready.
Whether you close by phone or in person, you will receive a confirmation number and a follow-up email or letter. Keep this documentation in case you need to reference the closure date later.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Chase does not automatically reopen closed accounts. If you want to use Chase again, you must open a new account. The old account remains closed in your history. If you closed it due to a problem, contact Chase before reopening to understand what changed.
Will closing my account hurt my credit score?
Closing a bank account does not directly affect your credit score because bank accounts do not appear on credit reports. However, if you close an account with an outstanding overdraft or unpaid fee, that debt could be reported and harm your score.
What if I have a pending check that has not cleared?
Chase will not finalize the closure until the check clears. If the check is very old and unlikely to clear, contact Chase to ask about removing the hold. Otherwise, wait for it to process naturally before the account fully closes.
Do I need to close my account in person if I have a large balance?
No. You can close online and request a check for any amount. Chase will mail it to your address on file. If you prefer cash or an when ready transfer, visiting a branch is faster, but online closure works for any balance.
What if I forgot to redirect my direct deposit before closing?
Contact your employer or the organization sending the deposit when ready and provide your new account information. Chase will return deposits sent to the closed account to the sender, who will then resubmit to the correct account. This adds a few days to the process.