You can close most Chase accounts online through your account settings, but the method depends on which type of account you have
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 and happens when ready — your account closes right away, though it may take a few business days for any remaining balance to reach you. If you have a credit card, investment account, or business account, the steps are different and may require a phone call.
Before you close anything, make sure you have paid any outstanding balance, transferred or withdrawn the money you want to keep, and set up direct deposit elsewhere if your paycheck goes to Chase. Once closed, you cannot reopen the same account number.
Key Takeaways
- Chase checking and savings accounts close when ready through the website or app under account settings, with no phone call required.
- You must have a zero balance and no pending transactions before closing — Chase will not close an account with money still in it.
- If you receive direct deposit, change it to a new account before closing, or your next paycheck may be rejected.
- Credit cards, investment accounts, and business accounts require a phone call to close, not an online option.
- After closing, keep your final statement for your records and watch for any unexpected charges that may arrive afterward.
Steps to close a checking or savings account online
Log into your Chase account on the website or open the mobile app. Go to the account you want to close and look for the settings or account details section — this is usually marked with a gear icon or labeled "Manage Account." You should see an option that says "Close Account" or "Close This Account."
Chase will show you the current balance and ask you to confirm that you have withdrawn or transferred all the money you want to keep. If there is any balance remaining, you cannot proceed — you must bring it to zero first. Once you confirm, the account closes when ready. You will receive a confirmation number on screen and by email.
If you cannot find the close option in your app or website, your account type may not support online closing. Call Chase at the number on the back of your debit card to confirm whether your account can close online, or proceed to the phone method below.
What to do before you close your account
Check your account for any pending transactions — these are charges that have been authorized but have not cleared yet. Chase will not let you close an account with pending transactions, so you may need to wait a few days for them to process. Look at your recent activity and your pending section to see if anything is still processing.
If you receive direct deposit from an employer or government benefit, change it to your new bank account before closing Chase. Your employer or benefit administrator will need your new routing number and account number. If you do not change it in time, your next deposit may be rejected, and you will have to contact your employer to resend it.
Transfer or withdraw any money you want to keep. You can move money to another bank account you own through an external transfer, or withdraw it as cash or a cashier's check. Make sure the balance is zero before you attempt to close.
read or print your final statement for your records. You can usually do this from the account details page. Keep it in case you need proof of the account closure or a record of your final balance.
Closing a Chase credit card online
Chase credit cards cannot be closed through the website or app — you must call the number on the back of your card. Have your card ready when you call. The representative will confirm your identity and process the closure over the phone.
Before you call, pay off any remaining balance on the card. Chase will not close an account with an outstanding balance. After the account closes, you can keep the card or destroy it — either way, it will no longer work.
Closing a credit card affects your credit score because it reduces the total amount of credit available to you. If this is your oldest card or your only card, closing it may lower your score more than closing a newer one. Consider whether you need to close it or straightforward stop using it.
What happens after your account closes
Your account closes when ready, but any money remaining in it takes a few business days to reach you. Chase will mail a check to the address on file if there is a balance. Make sure your mailing address is current before you close.
Watch for any charges that may arrive after closure — for example, a subscription or automatic payment you forgot about. If a charge comes through after the account is closed, contact the company that charged you and ask them to stop. You may also contact Chase to dispute the charge if it appears on your final statement.
You will no longer be able to log into the account or see its history online after a certain period. read or screenshot anything you need to keep before closing.
If you cannot close your account online
Business accounts, investment accounts, and some older account types must be closed by phone. Call the number on the back of your debit card or on your statement. Have your account number and ID ready.
If you have multiple accounts linked together, closing one may affect the others. Ask the representative whether closing this account will change anything about your other accounts before you proceed.
If you are having trouble finding the close option in your app or website, it may be a technical issue rather than a restriction. Try closing on a different device or browser, or call Chase to confirm that your account type supports online closing.
Frequently Asked Questions
What if I close my account and then need to access it again?
Once closed, you cannot reopen the same account number. You would have to open a new account. If you are unsure about closing, consider straightforward not using the account instead — you can reactivate it later by logging in and making a deposit or transfer.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score because banks do not report these accounts to credit bureaus. Closing a credit card does affect your score, usually by lowering it slightly because it reduces your available credit.
What if my account has a negative balance?
You cannot close an account with a negative balance — you must pay the amount owed first. Contact Chase to find out how much you owe and how to pay it. Once the balance is zero or positive, you can close the account.
How long does it take to get my money after I close?
If there is a remaining balance, Chase mails a check to your address on file. This usually takes five to seven business days from the date you close. Make sure your mailing address is current before closing.
Can I close my account if I have pending direct deposits?
You can close the account, but any direct deposits that arrive after closure will be rejected. Change your direct deposit to a new account before closing to avoid missing payments or benefits.