You can close a Chase account by phone, in person, or online, but the method depends 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. Before you close, make sure you have a zero balance — Chase will not close an account with money still in it, and they will not transfer funds to another bank for you. You need to withdraw or transfer that money yourself first.

The process takes a few minutes on the phone, but it can take several business days for the closure to fully process in their system. During that time, any pending transactions may still post to the account. Chase will send you a confirmation letter in the mail once the account is officially closed.

Key Takeaways

  • Your Chase account must have a zero balance before closure — you are responsible for moving or withdrawing all remaining funds.
  • Phone closure at 1-800-935-9935 is usually the fastest method and works for most account types.
  • In-person closure at a Chase branch requires your ID and takes a few minutes but gives you when ready confirmation.
  • After you request closure, allow several business days for the account to fully close and pending transactions to clear.
  • Chase will mail you a confirmation letter once the closure is complete.

Closing by phone

Call 1-800-935-9935 and tell the representative you want to close your account. Have your account number ready — you can find it on a check, your debit card, or a recent statement. The representative will confirm your identity, check that your balance is zero, and process the closure request. If you have a balance, they will tell you the amount and you will need to handle that before they can close the account.

The representative will ask why you are closing the account — this is optional information and you do not have to answer in detail. They may also mention other Chase products, but you can decline. Once the closure is confirmed, write down the date and time of the call and the name of the representative. This gives you a record in case something goes wrong.

Closing in person at a Chase branch

Bring your ID and go to any Chase branch during business hours. Tell a teller you want to close your account and provide your account number. The teller will verify your identity, confirm your balance is zero, and process the closure. This usually takes five to ten minutes. You will get a receipt or written confirmation on the spot, which is useful to keep for your records.

In-person closure is helpful if you are uncomfortable on the phone or if you want to handle the balance in cash at the same time — you can withdraw your remaining funds and close the account in one visit. If you do not have a Chase branch near you, phone closure is your best option.

Closing online or through the mobile app

Not all Chase account types allow online closure. Checking and savings accounts sometimes offer this option through the Chase website or mobile app, but it varies. Log into your account and look for a "Close Account" or "Account Settings" option. If you see it, follow the prompts. If you do not see the option, your account type does not support online closure and you will need to call or visit a branch.

Online closure is convenient if it is available for your account, but you will still need to wait several business days for the closure to fully process. You will receive a confirmation email and a mailed letter once it is complete.

What to do with your remaining balance

Before you request closure, you must move or withdraw all money in the account. You have three options: withdraw the cash at a Chase ATM or branch, transfer the money to another bank account, or request a check from Chase. If you transfer to another bank, use your routing number and account number — most transfers take one to three business days. If you request a check, Chase will mail it to you, which takes longer.

Do not leave money in the account hoping Chase will forward it. Once an account is closed, Chase stops processing transactions on it, and retrieving forgotten funds becomes much harder. Move the money before you call to close.

What happens after you request closure

Chase processes closures during business days, so a request made on Friday may not process until Monday. During the processing period, any checks or automatic payments you set up before closure may still post to the account. If this happens and your balance goes negative, you may face overdraft fees. To avoid this, cancel any automatic payments or recurring charges before you close.

Once the account is fully closed, you will receive a confirmation letter in the mail within one to two weeks. Keep this letter for your records. If you need proof that the account is closed for a loan process or other purpose, you can call Chase and ask them to send you a written closure confirmation, or you can show them the letter.

If you have a joint account

If another person is on the account with you, both of you usually need to agree to close it. Call Chase and ask whether your account requires both signatures or if one person can request closure alone — this varies by account type and state. If both people need to agree, you may need to visit a branch together or have the other person call separately to authorize the closure.

If you are the only one who wants to close the account, you have the option to remove yourself as an owner instead, leaving the other person with the account. Ask the representative about this option during your call.

Frequently Asked Questions

Will closing my account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score because these accounts do not appear on your credit report. However, if you close a credit card account, it may slightly lower your score by reducing your available credit. Debit accounts and basic savings accounts have no credit impact.

What if I have pending transactions when I close?

Pending transactions may still post after you request closure. To avoid overdraft fees, cancel any automatic payments or subscriptions before closing. If a transaction posts after closure and creates a negative balance, contact Chase to dispute the overdraft fee — they sometimes waive it for recently closed accounts.

Can I reopen a closed Chase account?

You can open a new Chase account at any time, but you cannot reopen the exact same closed account. If you closed it recently and want the same account back, call Chase to ask if they can reverse the closure — they sometimes can if you call within a few days. Otherwise, you will need to open a new account.

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

The closure request is processed within one to three business days, but the account may remain in the system for longer. You will receive a confirmation letter in the mail once it is officially closed. During the processing period, do not attempt to use the account or make deposits.

What if I forgot to cancel a subscription before closing?

If a subscription or automatic payment tries to post after closure, it will be declined. Contact the company that charges the subscription and give them your new payment method. Then contact Chase if you were charged a fee for the declined transaction — they may refund it.