The basic steps to close a Chase account
You can close a Chase checking or savings account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app or website. Chase does not charge a fee to close an account. The process itself takes a few minutes, but your account will not be fully closed until any pending transactions clear and your balance reaches zero.
Before you close, make sure you have moved your money out or know where it is going. If you have automatic payments or direct deposits set to that account, you will need to update them with your new bank details or cancel them. Chase will not automatically redirect these for you.
The account closure is not when ready. Chase typically closes accounts within 5 to 10 business days after you request it, though the exact timing depends on whether you have outstanding checks, pending deposits, or other transactions still processing.
Key Takeaways
- You can close your account by phone, in person at a branch, or through the Chase app or website without paying a fee.
- Move your money out first and update any automatic payments or direct deposits linked to the account before you close it.
- Chase takes 5 to 10 business days to fully close an account after you request it, depending on pending transactions.
- If you have a negative balance or owe Chase money, you must settle that before the account will close.
- Keep your account open long enough for any checks you have written to clear, or they may bounce.
Closing by phone with Chase customer service
Call the number on the back of your Chase debit card or visit Chase.com to find the customer service phone number for your account type. Have your account number and a form of ID ready. The representative will confirm your identity, ask why you are closing the account, and process the closure request.
Phone closure is the fastest way if you have already moved your money. The representative can confirm your account balance on the call and tell you whether any pending transactions are still processing. If your balance is not zero, they will explain what is holding it up.
If you have a Chase credit card, closing a checking or savings account does not affect it. The representative will only close the specific account you ask them to close.
Closing in person at a Chase branch
Walk into any Chase branch with your ID and debit card. Tell the teller you want to close your account. They will pull up your account, confirm your balance, and process the closure. This takes about 10 minutes.
In-person closure is useful if you want to withdraw your remaining balance in cash on the spot, or if you prefer to handle it face-to-face. The teller can also answer questions about what happens to pending transactions or automatic payments.
If your account has a negative balance, the teller will tell you how much you owe before they can close it. You can pay this when ready at the branch or by other means.
Closing through the Chase app or website
Log into your Chase account on the app or at Chase.com. Look for account settings or account management. Some account types allow you to request closure directly from the app; others require you to call or visit a branch. Chase does not always offer online closure for all account types, so you may be directed to call instead.
If online closure is available for your account, you will see a "close account" or "close this account" option. Chase will ask you to confirm your request and may ask for a reason. The closure request is submitted when ready, but the account will not be fully closed until pending transactions clear.
What to do before you close your account
Move your money to another bank first. You can transfer it electronically to another account you own, or withdraw it in cash. If you are moving to a different bank, set up your new account before you close the Chase account.
Update any automatic payments that are set to come out of the Chase account. This includes utility bills, insurance payments, subscriptions, loan payments, or any other recurring charges. Log into each service and change the payment method to your new bank account or a credit card. If you do not update these, the payments will fail and you may face late fees or service interruptions.
Update your direct deposit with your employer or the organization paying you. Provide them with your new bank account number and routing number. Direct deposits usually take one or two pay cycles to switch over, so do this before you close the Chase account to avoid a missed deposit.
Wait for any checks you have written to clear. If you have written a check that has not yet been deposited, leave the account open until it clears. Closing the account while a check is still pending can cause it to bounce.
What happens to your account after closure
Once closed, you cannot use the account to make deposits, withdrawals, or transfers. Your debit card will stop working. Any attempt to use it will be declined.
Chase will keep records of the closed account for your files. If you need a statement or record of transactions from the closed account, you can request it from Chase customer service. They typically keep records for seven years.
If a check or automatic payment tries to post to the closed account after closure, it will be rejected. The payer will receive a notice that the account is closed. This is why updating your automatic payments and direct deposit before closure is important.
If you have a negative balance or owe Chase money
Chase will not close your account if you have a negative balance. You must pay the amount you owe first. This can happen if overdraft fees have accumulated or if a transaction posted that brought your balance below zero.
Call Chase customer service or visit a branch to find out the exact amount you owe. You can pay it by debit card, credit card, or bank transfer. Once the payment clears and your balance is zero or positive, you can request closure again.
If you have an outstanding balance on a Chase credit card, that does not prevent you from closing a checking or savings account. The credit card and the bank account are separate products. However, if you owe Chase money on any product, they may pursue collection.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closing one. However, if you closed the account because of overdrafts or other issues, Chase may review your history. If you were flagged for fraud or had repeated overdrafts, Chase may decline to open a new account for you.
What if I have pending direct deposits or automatic payments when I close?
Pending deposits and payments will fail if they try to post after the account is closed. The sender will receive a notice that the account is closed. Update your direct deposit and automatic payments before you close the account to avoid missed payments or bounced deposits.
Do I lose my transaction history when I close my account?
No. Chase keeps records of closed accounts for seven years. You can request statements or transaction history from customer service at any time. You can also read your statements before you close if you want to keep them yourself.
How long does it take Chase to send me a final statement?
Chase typically sends a final statement 30 to 60 days after the account closes. This statement shows all transactions up to the closure date. You can also request a statement earlier by calling customer service.
Can I close a joint account if the other person does not want to?
No. Both account holders must agree to close a joint account. If you want to close it and the other person does not, you will need to contact Chase to discuss your options, which may include removing yourself as an authorized user or opening a separate account.