You can close a Chase account by phone, in person, or online, depending on the account type

The fastest way to close most Chase accounts is to call their customer service line at 1-800-935-9935. You'll need your account number and a form of ID ready. Chase will ask why you're closing, verify your identity, and process the closure on the call — most accounts close within one to three business days. If you prefer to do it in person, you can visit any Chase branch with your ID and account information.

Online closure is available for some accounts through the Chase mobile app or website, but not all account types support it. Checking and savings accounts are most likely to have an online option. If you see a "close account" option in your account settings, you can complete it there. If not, phone or branch closure is your route.

Before you close, make sure your account balance is zero or positive. If you have an outstanding balance or pending transactions, Chase will not close the account until those are resolved. Also check that no automatic payments or direct deposits are still linked to the account — you'll need to update those elsewhere first.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase accounts; have your account number and ID ready.
  • Some checking and savings accounts can be closed through the Chase app or website if the option appears in your account settings.
  • Your account balance must be zero or positive, and all automatic payments and direct deposits must be moved to another account first.
  • Most closures take one to three business days after you request them.
  • Ask Chase to confirm the closure in writing so you have proof for your records.

What to do before you call or visit

Spend a few minutes preparing before you contact Chase. Gather your account number (on your debit card or statements), your Social Security number, and a photo ID. If you have multiple accounts with Chase, know which ones you want to close — you can close one, some, or all of them.

Next, move any money out of the account you're closing. If there's a balance, transfer it to another bank or withdraw it in cash. Chase will not close an account with a negative balance, and they may charge overdraft fees while the account sits open.

Check for any automatic payments, recurring charges, or direct deposits tied to the account. Log into your Chase account online or through the app and look at recent transactions to spot anything that repeats monthly. Common ones are insurance, subscriptions, utilities, and payroll deposits. Update those services with a new payment method or bank account before closing.

If you have a Chase credit card linked to the checking account for overdraft protection, that link will be removed when you close the checking account. This won't close the credit card itself — that's a separate account.

Closing by phone: the step-by-step process

Call 1-800-935-9935 and tell the representative you want to close your account. They'll ask for your account number and will verify your identity by asking security questions or requesting information from your ID. This usually takes two to three minutes.

The representative will confirm your account balance and ask if you want to keep any other Chase accounts open. If you have a positive balance, they'll ask how you want it handled — some people request a check mailed to their address, others ask for a wire transfer to another bank account, and some withdraw the money in person at a branch first.

Once you confirm, Chase processes the closure. The account will be marked for closure when ready, but it may take one to three business days for it to fully close in their system. Ask the representative for a confirmation number and request that they email or mail you written confirmation of the closure. Keep this for your records.

Closing in person at a Chase branch

Visit any Chase branch during business hours with your ID and account number. Tell a teller you want to close your account. They'll pull up your account, confirm your balance, and ask the same questions the phone representative would ask.

If you have cash in the account, you can withdraw it on the spot. If you want the balance sent elsewhere, the teller can arrange a check or wire transfer. The branch will give you a receipt showing the closure request and a confirmation number.

In-person closure sometimes feels faster because you walk out with proof, but the account still takes one to three business days to fully close in Chase's system. The receipt is your evidence that you requested it.

What happens after you close the account

Once the account is closed, you can no longer use the debit card associated with it. If you have checks printed for that account, they will be rejected if anyone tries to cash them. Chase will stop processing any transactions on the account.

If you had overdraft protection linked to a credit card, that protection ends. Any future transactions on the closed account will be declined.

Chase keeps records of closed accounts for a set period. If you need documentation of the closure later — for a loan process, tax purposes, or dispute resolution — you can contact Chase and request account history. They can usually provide statements and closure confirmation for several years after closure.

If you have a Chase credit card instead of a checking account

Closing a credit card works differently than closing a checking account. Call the number on the back of your card or 1-800-935-9935 and ask to close the credit card account. Pay any outstanding balance first — Chase will not close an account with a balance owed.

After closure, the account will show as closed on your credit report, which can affect your credit score slightly because it reduces your available credit. The impact is usually small and temporary. Keep the account open for at least a few months after your last use if you're concerned about credit score impact.

Request written confirmation of the closure, just as you would with a checking account.

Common reasons Chase might refuse to close your account

Chase will not close an account if you owe money on it. This includes overdraft balances, negative account balances, or unpaid fees. Pay what you owe first, then request closure.

If there are pending transactions or holds on the account, Chase may ask you to wait until those clear. This usually takes a few business days.

If you have a mortgage, home equity line of credit, or other loan with Chase, closing a linked checking account won't affect the loan. However, if Chase requires you to maintain a checking account as part of the loan agreement, they may refuse closure. Check your loan documents or call to ask before you close.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, but it depends on how long ago you closed it and why. If you closed it recently and in good standing, you can usually open a new account. If the account was closed due to fraud or violation of Chase's terms, reopening may be difficult. Contact Chase directly to ask whether you're able to open a new account.

What if I have a pending direct deposit or automatic payment when I close?

Move those to another account before you close. If a payment or deposit hits after closure, it will be rejected. The sender may charge you a fee for the failed transaction. Update payroll, billers, and other services with your new account information first.

Will closing my Chase account hurt my credit score?

Closing a checking account has no direct impact on your credit score because checking accounts don't appear on your credit report. Closing a credit card can lower your score slightly because it reduces your total available credit, but the impact is usually small and temporary.

How long does it take for a Chase account to fully close?

Most accounts close within one to three business days after you request closure. You'll see the account marked as closed when ready, but it may take a few days for all pending transactions to clear and for the account to fully disappear from your online banking.

Do I need to destroy my Chase debit card after closing?

You don't have to, but it's a good idea. Cut it up or shred it so it can't be used. Once the account is closed, the card won't work anyway, but destroying it removes any chance of confusion or misuse.