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 can also visit a Chase branch in person with your ID, or use the mobile app or website if your account type supports online closure. Chase will ask you to move any remaining money out first, confirm you want to close it, and then process the closure — usually within a few business days.

Before you call or go in, make sure any automatic payments or direct deposits tied to that account are set up elsewhere. If you have checks still in use, stop ordering them. And if you're closing because of a problem with the account or the bank, write down what happened so you can explain it clearly when you contact them.

Key Takeaways

  • Call Chase at 1-800-935-9935 to close most accounts, or visit a branch with your ID if you prefer to do it in person.
  • Move all your money out of the account before closing, and redirect any automatic payments or direct deposits to another bank account first.
  • Chase will confirm the closure and send you written confirmation, usually within a few business days.
  • If you have a negative balance or unpaid fees, Chase may hold the account open until those are resolved.
  • Closing an account does not hurt your credit score, but the account will show as closed on your credit report.

What to do before you call Chase

Empty the account completely. Chase will not close an account with money still in it. If you have direct deposits going into this account — paychecks, benefits, tax refunds — change the deposit instructions with your employer or the government agency first. This usually takes one to two pay periods to take effect, so do this before you call to close the account.

Stop any automatic bill payments that pull from this account. Log into each company's website or call them to change the payment method to a different bank account or credit card. This includes utilities, insurance, subscriptions, loan payments, and any other recurring charges. If you miss this step, payments will fail and you may face late fees or service interruptions.

If you have checks linked to this account, stop using them when ready. Checks can take weeks to clear, so one you wrote before closing the account might bounce after the account is gone. If you still have a checkbook, you can destroy the unused checks or contact Chase to stop the check series.

How to close the account by phone

Call Chase customer service at 1-800-935-9935. Have your account number and ID ready. Tell them you want to close the account and confirm the account number they pull up is the right one — Chase customers often have multiple accounts.

The representative will ask you to confirm that the account balance is zero. If it is not, they will tell you how much is left and you can ask them to transfer it to another Chase account you have, or you can hang up, withdraw the money, and call back. They will also ask if there are any pending transactions or holds on the account. Once you confirm everything is clear, they will process the closure.

Ask the representative for a confirmation number and write it down. They will mail you a written confirmation, but the confirmation number is proof you called. Keep it in case you need to reference the closure later.

How to close the account in person at a branch

Bring your ID and go to any Chase branch during business hours. Tell a teller you want to close the account. They will pull up your account, confirm the balance is zero, and ask the same questions the phone representative would ask. The process takes about 10 minutes.

Ask for a written confirmation of the closure before you leave. Some branches print it on the spot; others mail it. If they mail it, ask how long it usually takes and get the confirmation number.

Closing the account online or through the app

Not all Chase account types can be closed online. Checking and savings accounts can usually be closed through the Chase mobile app or website, but business accounts, credit cards, and investment accounts typically require a phone call or branch visit.

If your account type supports online closure, log in and look for account settings or account management. The option is usually labeled "Close Account" or "Manage Account." Chase will walk you through confirming the balance is zero and ask you to agree that you want to close it. Once you submit, you will get a confirmation number on screen — take a screenshot or write it down.

What happens after you close the account

Chase will process the closure within a few business days. During that time, the account is still technically open but marked for closure, so any stray transactions might still post. Once the closure is final, the account will no longer accept deposits or withdrawals.

The closed account will show on your credit report for up to 10 years, but it will be marked as "closed by customer" rather than closed due to missed payments or other problems. This does not hurt your credit score. In fact, closing an account you no longer use can sometimes help your credit if it was costing you money in fees.

If Chase owes you money — for example, an unclaimed deposit or a refund of fees — they will mail it to the address on file. If you owe Chase money — unpaid fees, overdraft charges, or a negative balance — they will contact you to collect it before closing the account.

If Chase will not close your account

Chase may refuse to close an account if you have an outstanding balance, unpaid fees, or a pending dispute. In this case, they will tell you what needs to be resolved first. Pay any fees or balances, and the account can usually be closed within a few days.

If you have a dispute with Chase — for example, you believe a charge was fraudulent or a fee was applied in error — you can still close the account, but Chase may keep it open until the dispute is resolved. Ask the representative how long that usually takes and whether you can close it once the dispute is settled.

Frequently Asked Questions

Will closing my Chase account hurt my credit?

No. Closing an account does not lower your credit score. The account will show as closed on your credit report, but that is not negative. Your credit score is based mainly on whether you pay bills on time and how much debt you carry, not on how many accounts you have open.

What if I have pending transactions when I try to close?

Chase will not close the account until all pending transactions have posted or been cancelled. If you have a transaction that is stuck pending, contact Chase to ask them to cancel it or wait for it to post. Once it clears, you can close the account.

Can I reopen a closed Chase account?

Once an account is closed, it cannot be reopened. If you change your mind, you will need to open a new account. The old account number will not work again, and any checks or debit cards linked to it will be invalid.

How long does it take to close a Chase account?

The closure is usually processed within three to five business days after you request it. During that time, the account is still technically open but marked for closure. Once it is final, you will receive written confirmation in the mail.

What if I have a Chase credit card instead of a checking account?

Credit cards are closed differently than bank accounts. Call the number on the back of your card or call 1-800-935-9935 and ask to close the credit card. Make sure the balance is zero first. The card will be closed within a few days, and you will receive confirmation in the mail.