You can close a Chase checking account by phone, in person, or online, but the method depends on your account type and whether you have an outstanding balance

The fastest way is usually a phone call to Chase customer service at 1-800-935-9935. Tell them you want to close your account, and they will walk you through it on the spot. If you have money in the account, Chase will either let you withdraw it before closing, send you a check, or transfer it to another account you provide. If you owe money — from overdrafts or fees — you will need to settle that before the account closes.

You can also close an account in person at any Chase branch by bringing your ID and your debit card. Online closure is available for some account types through the Chase mobile app or website, though not all checking accounts offer this option. The process takes a few minutes, but it can take several business days for the account to fully close on Chase's end.

Key Takeaways

  • Call Chase at 1-800-935-9935 to close your account over the phone, which is usually the fastest method.
  • You must withdraw or transfer any remaining balance before closing, and you must pay any outstanding fees or overdraft charges.
  • Bring your ID and debit card if you want to close the account in person at a Chase branch.
  • Some Chase checking accounts can be closed through the mobile app or website, but not all account types support online closure.
  • The account will show as closed when ready, but it can take several business days for Chase to process the closure completely.

What to do before you call or visit

Before you contact Chase, make sure you know your account balance and whether you have any pending transactions. If you have automatic payments set up — like a gym membership, insurance, or utility bill — those will fail once the account closes. Go through your recent statements and update any recurring payments to a different account at least a week before closing.

Check whether you have an outstanding balance. This includes overdraft fees, monthly maintenance fees, or any other charges Chase has assessed. You cannot close the account until these are paid. If you are unsure what you owe, call Chase first and ask for your current balance and any outstanding charges.

If you have a Chase debit card linked to the account, it will stop working once the account closes. You do not need to do anything special with the card — just stop using it. If you want to be extra cautious, you can cut it up or shred it, but Chase will deactivate it automatically.

Closing by phone

Call Chase customer service at 1-800-935-9935. Have your account number and ID ready. Tell the representative you want to close your checking account. They will ask you why you are closing it — this is optional information, and you can decline to answer.

The representative will confirm your account balance and ask what you want to do with any remaining money. Your options are usually: withdraw it in person at a branch, have Chase mail you a check, or transfer it to another bank account. If you choose a check, it typically arrives within 7 to 10 business days. If you choose a transfer, provide the routing number and account number of the receiving bank.

Once you confirm, the account will be marked for closure. Chase will process it within a few business days. You will receive a confirmation by mail or email, depending on your account settings.

Closing in person at a branch

Visit any Chase branch with your government-issued ID and your Chase debit card. Tell a banker you want to close your checking account. They will pull up your account and confirm your balance and any outstanding charges.

If you have money in the account, you can withdraw it as cash on the spot, or the banker can help you transfer it to another account. If you owe fees or have an overdraft balance, you will need to pay it before the account closes. You can pay with cash, another debit card, or a check.

The banker will have you sign a form confirming the closure. The account will close when ready, though it can take a few business days for the closure to show up in all of Chase's systems. You will receive written confirmation in the mail.

Closing through the Chase app or website

Not all Chase checking accounts can be closed online. If your account type supports it, you can close it through the Chase mobile app or by logging into chase.com. Look for a settings or account management section — the exact location varies depending on your device and which version of the app you are using.

If you see a "Close Account" option, select it and follow the prompts. Chase will ask you to confirm your balance and what you want to do with any remaining money. You will typically be able to transfer funds to another account or request a check. Once you submit, the closure request goes to Chase for processing.

If you do not see a "Close Account" option, your account type does not support online closure. In that case, you will need to call or visit a branch instead.

What happens after you close the account

Once the account is closed, you cannot use the debit card, and any automatic payments linked to it will fail. If you have bills or subscriptions set to that account, they will bounce. This is why it is important to update those payments before you close the account.

Chase will keep records of the closed account for your protection. If you need a statement or proof that the account is closed, you can request it by calling customer service or visiting a branch. You may need this for tax purposes or to show a creditor that an account has been settled.

If you still owe Chase money after the account closes — for example, an overdraft that was not paid — they may send the debt to a collection agency or take legal action. Make sure all charges are paid before closing.

If you have a linked savings account or credit card

Closing a checking account does not automatically close a linked savings account or credit card. Those accounts remain open unless you close them separately. If you want to close those too, you will need to contact Chase again or visit a branch.

If you have automatic transfers set up between your checking and savings account — for example, a weekly transfer to savings — those will stop working once the checking account closes. Update any linked accounts before closing.

Frequently Asked Questions

Can I reopen a Chase checking account after I close it?

Yes, you can open a new Chase checking account at any time. However, if you closed the account because of overdrafts or unpaid fees, Chase may review your history before approving a new account. If you had a good account history, reopening is usually straightforward.

What if I have a pending check or direct deposit coming in?

Wait until the check clears or the direct deposit arrives before closing the account. If money arrives after the account is closed, Chase will hold it and contact you. You can then pick it up at a branch or have them send a check, but this creates extra steps. It is easier to wait a few days.

Do I have to pay a fee to close my account?

Chase does not charge a fee to close a checking account. However, if you close the account within a certain period of opening it — usually 90 days — some account types may have an early closure fee. Check your account agreement or call Chase to confirm whether this applies to you.

What if I have a negative balance when I try to close?

You cannot close the account until the negative balance is paid. Transfer money from another account, deposit cash at a branch, or use a debit card to cover the overdraft. Once the balance is zero or positive, you can proceed with closing.

How long does it take for the account to fully close?

The account will be marked as closed when ready, but it can take 3 to 5 business days for Chase to process the closure completely. During this time, the account will not accept deposits or withdrawals, and any pending transactions will be rejected.