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 take about five minutes. However, if you have a credit card, a mortgage, or a business account, you'll need to call or visit in person — Chase doesn't let you close those online.
Before you start, make sure your account balance is zero. If you have money left, transfer it to another bank account first. If you owe money, you'll need to pay that before closing. Chase will also check that you don't have any pending transactions or holds on the account.
Key Takeaways
- Checking and savings accounts can be closed online through Chase's website or app, but credit cards and mortgages require a phone call or branch visit.
- Your account balance must be zero before you close — transfer any remaining money to another bank first.
- After you close your account, Chase will send you a confirmation letter in the mail within one to two weeks.
- If you have automatic payments or direct deposits set up, change those to your new bank account before closing to avoid missed payments.
- Closed accounts stay on your credit report for up to seven years, which does not hurt your credit score.
Steps to close your Chase checking or savings account online
Log into your Chase account on their website or open the Chase mobile app. Go to the account you want to close and look for "Account Services" or "Settings." From there, select "Close Account" or "Close This Account." Chase will ask you to confirm that your balance is zero and that you want to proceed.
After you confirm, Chase will show you a message saying your account is closed. You won't be able to use the account right away — it takes a few hours for the closure to process. You'll receive a confirmation letter by mail within one to two weeks. Keep this letter for your records.
If you can't find the close account option in your app or online, your account type may not support online closure. Call Chase at the number on the back of your debit card, or visit a branch in person.
What to do with money still in the account
If your Chase account has money in it, you must move that money before closing. Log into your Chase account and look for "Transfer Money" or "Send Money." You can transfer to another bank account you own at a different bank, or to another Chase account if you have one.
Transfers usually take one to three business days. If you need the money faster, you can withdraw it as cash at a Chase ATM or at the teller window in a Chase branch, then deposit it into your new bank. This is when ready.
Do not close the account until the transfer shows as complete in both your Chase account and your other bank account. If you close before the money arrives, the transfer may fail and you could lose track of where your money is.
Accounts you cannot close online
Chase credit cards must be closed by phone. Call the number on the back of your card and ask to close the account. The representative will confirm your identity, check that you have no balance, and process the closure. This takes about ten minutes.
Mortgages, home equity lines of credit, auto loans, and business accounts also require a phone call or branch visit. For these, call the customer service number for that specific product — it's different from the general Chase number. You may need to provide additional information or documentation depending on the loan type.
If you have a Chase investment account or a Chase credit card with a rewards balance, contact the specific department for that product. The main Chase customer service line can transfer you to the right team.
What happens to automatic payments and direct deposits
Before you close your account, change any automatic payments that come out of your Chase account. Log into each service you pay (utilities, insurance, subscriptions, loan payments) and update your payment method to your new bank account. This usually takes a few minutes per service.
If your employer or a government agency (like Social Security or unemployment) deposits money into your Chase account, update your direct deposit information with them before closing. You can do this through your employer's payroll system or the agency's website. Direct deposit changes usually take one to two pay periods to take effect, so make the change at least a week before you close your account.
If you close your account while automatic payments or direct deposits are still set to that account, the transactions will fail. This can result in late fees, missed payments, or delayed benefits. It's worth spending a few minutes to update these before you close.
After your account is closed
Once your account is closed, you cannot reopen it or use it for any transactions. If you change your mind within a short time, call Chase to ask if they can reopen it — some branches will do this within a few days of closure, but it's not may provide.
Your closed account will appear on your credit report for up to seven years. This does not hurt your credit score. Lenders can see that you closed the account, but closing an account in good standing (with no debt or missed payments) is normal and expected.
Keep the confirmation letter Chase sends you. If you ever need to prove that the account is closed — for example, if a company tries to charge it after closure — you'll have documentation.
What to do if you can't close your account online
If the close account option doesn't appear in your app or website, call Chase at 1-800-935-9935 (the number on the back of your debit card). Have your account number and ID ready. A representative can close the account over the phone in about ten minutes.
You can also visit a Chase branch in person. Bring a photo ID and your debit card. A teller can close the account while you wait and give you a receipt. This is the fastest way if you want to close the account the same day.
If you have a business account or a credit card, you must call or visit in person — there is no online option for these account types.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
No. Closing a checking or savings account does not affect your credit score at all — these accounts don't show up on your credit report. Closing a credit card can have a small temporary impact because it changes your available credit, but the effect usually fades within a few months.
Can I close my account if I have a negative balance?
No. You must pay off any negative balance (money you owe Chase) before closing. If you're overdrawn, deposit money to bring the balance to zero, then close the account. If you don't pay the balance, Chase will not let you close it.
How long does it take for my account to fully close?
The online closure takes a few hours to process. You'll receive a confirmation letter in the mail within one to two weeks. After that, the account is fully closed and cannot be used.
What if I closed my account but still see it in my app?
Closed accounts sometimes stay visible in your app for a few days or weeks after closure. This is normal. If it's still there after a month, call Chase to confirm the account is actually closed.
Can I reopen a Chase account I just closed?
Maybe. If you closed it very recently (usually within a few days), some Chase branches will reopen it. Call or visit a branch and ask. After a few weeks, reopening becomes much harder or impossible, and you'd have to open a new account instead.