You can close most Chase accounts online through your account settings, but the process depends on your account type and balance
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The steps are straightforward: log in, navigate to account settings, and select the close account option. However, some account types—like business accounts, credit cards, or accounts with outstanding issues—require a phone call or branch visit instead.
Before you close, Chase requires your account balance to be zero. If you have money in the account, you'll need to transfer it out first. If you have pending transactions or holds on the account, those must clear before closure is possible. The entire process typically takes a few minutes online, though it can take several business days for the closure to fully process on Chase's end.
Key Takeaways
- Personal checking and savings accounts can be closed online through Chase's website or app, but your balance must be zero first.
- Transfer any remaining funds to another account before attempting to close, and wait for any pending transactions to clear.
- Business accounts, credit cards, and accounts with fraud flags or outstanding balances cannot be closed online and require a phone call to Chase.
- After you close your account online, Chase will send a confirmation email and may take several business days to fully process the closure.
- If you have a Chase credit card, closing it online through your account settings is separate from closing a checking or savings account.
Steps to close a checking or savings account online
Log into your Chase account on their website or open the Chase mobile app. Navigate to the account you want to close—this will be listed under your accounts dashboard. Look for a settings or account options menu, usually represented by a gear icon or three dots.
Select the option to close the account. Chase will show you a confirmation screen that lists the account number, account type, and current balance. If your balance is not zero, you cannot proceed; you'll need to transfer the remaining funds to another account first. Once your balance is confirmed as zero, Chase will ask you to confirm the closure one more time before processing it.
After you confirm, you'll receive an on-screen message stating the account is closed. Chase will also send a confirmation email to the address on file. The account will stop accepting deposits and withdrawals when ready, though it may take a few business days for the closure to appear on your account statements.
What to do with your remaining balance before closing
If you have money in the account, transfer it 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 feature online or by setting up an external transfer. Internal transfers between your own Chase accounts usually complete within one business day.
If you're transferring to a non-Chase bank, you'll need to provide the receiving bank's routing number and your account number at that bank. This type of transfer can take one to three business days. Do not withdraw the money as cash and deposit it elsewhere, because that creates a paper trail and may trigger reporting requirements if the amount is large.
Once the transfer completes and your Chase account shows a zero balance, you're ready to close the account online.
Accounts you cannot close online
Chase business accounts must be closed by phone or in person. Call the business banking line at the number on the back of your business debit card or visit a branch with authorization documents. Business account closures often require more documentation because they may involve tax implications or ongoing business relationships.
Credit cards are closed through a different process than checking or savings accounts. You can close a Chase credit card online through your account settings, but this is handled separately from bank account closures. If you have an outstanding balance on a credit card, you must pay it off before closing the card.
If your account has been flagged for fraud, has a negative balance, or is subject to a legal hold, you cannot close it online. Contact Chase directly at 1-800-935-9935 to discuss these situations. The same applies if you have pending disputes or chargebacks associated with the account.
What happens after you close your account
Once closed, your account number becomes inactive and cannot receive deposits. Any automatic payments or direct deposits set to that account will fail. If you have recurring bills or subscriptions tied to that account, update them with your new payment method before closing the account, or they will be declined.
Chase will continue to send statements for a period after closure, typically 30 to 60 days, so you can verify all transactions cleared properly. Keep these statements for your records. If you need to dispute a transaction or have questions about the account after closure, you can still contact Chase using the account number.
Your account history remains in Chase's system for seven years. If you ever need documentation of transactions from the closed account, Chase can provide it, though you may need to request it by phone.
If you cannot close your account online
Call Chase at 1-800-935-9935 for personal accounts or use the business banking number if you have a business account. Have your account number and the last four digits of the Social Security number or tax ID associated with the account ready. A representative will ask why you're closing the account—this is routine and does not affect your ability to close it.
If you prefer to close the account in person, visit any Chase branch with a valid ID. Bring your debit card or account number. The branch representative can close the account when ready and can also help you transfer any remaining balance if needed. In-person closures are useful if you have questions about pending transactions or need to resolve issues before closure.
Common reasons your account cannot close online
Your balance is not zero. This is the most common reason. Even a few cents remaining will block online closure. Check your account carefully for pending transactions, fees, or interest that may not have posted yet.
Your account has a negative balance. If you owe Chase money—for example, from an overdraft or returned check—you must pay the negative balance before closing. You cannot close an account that owes money.
There are pending transactions or holds on the account. If a transaction is still processing or a hold has been placed (for example, by a merchant or due to a dispute), the account cannot close until it clears. This typically takes three to five business days.
The account is flagged for fraud or compliance review. If Chase has flagged your account for suspicious activity or is reviewing it for regulatory reasons, you'll need to call to close it. This does not mean you did anything wrong; it may be a routine review.
Frequently Asked Questions
How long does it take for Chase to fully close my account after I close it online?
The online closure is when ready, but it can take three to five business days for the account to fully disappear from your account dashboard and for Chase's systems to fully process the closure. You'll receive a confirmation email right away. If the account still appears after a week, contact Chase to confirm it was processed.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts do not appear on your credit report. Closing a credit card can have a small impact on your credit score because it reduces your available credit, but the effect is usually temporary and minor.
Can I reopen a Chase account I just closed?
Yes, you can open a new Chase account after closing one. However, if you closed the account due to a negative balance or fraud flag, Chase may require you to wait a period or may place restrictions on the new account. Contact Chase to understand any limitations before opening a new account.
What if I closed my account but still receive mail from Chase?
Chase may send statements or notices for 30 to 60 days after closure. If you receive mail after that period, call Chase to request they stop sending mail to your address. You can also update your contact preferences online before closing the account to reduce mail.
Do I need to close my debit card separately from my checking account?
No. When you close your checking account online, your debit card is automatically deactivated. You do not need to take separate steps to close the card. However, if you want to close the card before closing the account, you can request a new card or deactivate it through your Chase app.