Yes, you can close most Chase checking accounts online through your account settings
Chase lets you close a standard checking account through their website or mobile app without calling or visiting a branch. You log in, navigate to your account settings, and request closure. The process takes a few minutes, though the actual closure may take several business days to complete.
Not every Chase checking account can be closed online. If you have a Chase Premier Plus Checking, Chase Sapphire Checking, or certain business accounts, you'll need to call or visit a branch. The same applies if your account is overdrawn, has pending transactions, or is flagged for fraud investigation.
Key Takeaways
- Standard Chase personal checking accounts can be closed online through the Chase website or mobile app in your account settings.
- You must have a zero balance and no pending transactions before closure will go through.
- Chase takes three to five business days to process the closure after you submit your request online.
- If your account is overdrawn, flagged for fraud, or is a premium product, you must call 1-800-935-9935 or visit a branch to close it.
- After closure, keep your account number and routing number for your records in case you need proof of closure for tax or legal purposes.
Steps to close your account through the Chase app or website
Log into your Chase account on chase.com or the Chase Mobile app. Go to the account you want to close and look for "Account Settings" or "Manage Account." The exact location varies slightly between the website and app, but both have a closure option in the same general area.
Select "Close Account" and review the information Chase shows you. They will confirm your account number, the type of account, and any balance. If there is a balance, you must move that money to another account first—Chase will not close an account with funds in it. If there are pending deposits or withdrawals, wait for those to clear before you try again.
Confirm the closure request. Chase will send you a confirmation email with a reference number. Save this number. The account will remain open for three to five business days while Chase processes the request, then it will be closed.
What to do with your remaining balance before closure
Transfer any money in the account to another bank account you own—either another Chase account or an account at a different bank. You can do this through Chase's transfer tool, which usually takes one to two business days, or through an external transfer if you have set up that account in your Chase profile.
If you have direct deposits scheduled to this account, change them with your employer or the organization sending the deposit. This should happen before you close the account, but definitely before the closure is final. If a deposit arrives after the account is closed, it will be returned to the sender, and you'll have to contact them to resend it.
Check for any outstanding checks or automatic payments tied to this account. If you have checks still in circulation or bills set to pay from this account, those transactions may fail or bounce after closure. Update your payment methods with any services that pull money from this account.
Accounts that cannot be closed online
Chase Premier Plus Checking and Chase Sapphire Checking must be closed by phone or in person. These are premium accounts with higher fees and benefits, and Chase requires a conversation to process the closure. Call 1-800-935-9935 to close either of these.
Business checking accounts, including Chase Business Checking and Chase Business Complete Checking, cannot be closed online. You'll need to call the business banking line or visit a branch with an authorized signer on the account.
If your account is overdrawn—meaning you owe Chase money—you cannot close it online. You must pay the negative balance first, then wait for the payment to clear. If your account is under investigation for fraud or suspicious activity, closure requests will be blocked until the investigation concludes. Call Chase to discuss your situation.
What happens after you submit your closure request
Your account stays open and usable for three to five business days after you request closure. During this time, any pending transactions will clear, and Chase processes the closure in their system. You can still access the account and see its balance, but you cannot reopen it once the closure is final.
Chase will send you a final statement showing all activity up to the closure date. This statement arrives by mail or email, depending on your notification preferences. Keep this statement for your records—you may need it for tax purposes or to prove the account is closed if a company tries to charge it later.
After closure, the account number cannot be reused. If someone tries to charge the closed account, the transaction will be declined. You won't be liable for unauthorized charges after the account is closed, but it's still a good idea to update your payment methods with any services that had this account on file.
If you need to reopen the account after closure
Chase generally allows you to reopen a closed account within a short window—usually 30 days—without a new process. After 30 days, the account is permanently closed and cannot be reopened. You would have to open a new account instead.
To reopen within 30 days, call 1-800-935-9935 or visit a branch. Have your account number ready. Chase will review your account history and may ask why you closed it and why you want to reopen it. If there were no problems with the account, reopening is usually straightforward.
Frequently Asked Questions
What if I close my account but a check comes in after closure?
The check will be returned to the sender marked "Account Closed." You'll need to contact the person or organization who sent it and ask them to reissue it to your new account. This is why updating direct deposits and automatic payments before closure matters.
Can I close my account if it's overdrawn?
No. You must pay the negative balance first and wait for the payment to clear. Once the balance is zero, you can close the account online. If you're having trouble paying the overdraft, call 1-800-935-9935 to discuss options.
Do I need to keep my debit card after I close the account?
No, but you can destroy it or let it expire. After the account closes, the card will be declined if anyone tries to use it. Shred it to be safe, or straightforward stop using it.
Will closing my account hurt my credit score?
No. Closing a checking account does not affect your credit score. Credit scores are based on credit history—loans, credit cards, and payment history. Bank accounts don't appear on your credit report.
How do I know if my closure went through?
Check your email for the confirmation message Chase sent when you submitted the request. It includes a reference number. You can also log into your Chase account—once the closure is final, the account will no longer appear in your account list. If you need proof of closure, call 1-800-935-9935 and ask for a written confirmation.