You cannot close a Chase account entirely online, but you can start the process and finish it by phone

Chase does not offer a full account closure through its website or mobile app. You will need to call Chase customer service to complete the closure, though you can prepare your account beforehand and handle some steps online. The process takes a few minutes once you reach a representative, and the account typically closes within one to three business days after that call.

Before you call, make sure your account balance is zero. If you have money in the account, transfer it to another bank using Chase's online transfer tools or withdraw it at a branch or ATM. If you have any pending transactions, checks, or automatic payments linked to the account, those need to settle or be cancelled first — Chase will not close an account with outstanding activity.

Key Takeaways

  • Chase account closure requires a phone call to customer service; the online portal does not have a closure option.
  • Your account balance must be zero and all pending transactions must be resolved before Chase will close the account.
  • You can transfer your remaining balance to another bank online using Chase's transfer feature, or withdraw cash in person.
  • The account closes within one to three business days after you call, and you will receive written confirmation by mail.
  • If you have a credit card with Chase, closing a checking or savings account does not affect the card, and vice versa.

Prepare your account before calling Chase

Log into your Chase account online or through the mobile app and check your balance. If there is money in the account, you have two options: transfer it to another bank account you own, or withdraw it. To transfer online, go to the Transfers section, select the account you want to close as the source, and enter the receiving bank's routing number and your account number there. Chase processes most transfers within one to two business days.

If you prefer to withdraw the money in person, visit a Chase branch with your debit card or ID and ask the teller to withdraw the full balance. You can also use a Chase ATM to withdraw up to your daily limit, though this may take multiple visits if your balance is large.

Next, check for any pending transactions. Look at your recent activity and pending items in the app or website. If you see checks you wrote that have not cleared, wait for them to post before closing. If you have automatic payments or recurring charges set to that account — subscriptions, bill payments, insurance premiums — cancel or redirect them to another account now. Chase will not close an account with active scheduled payments.

Call Chase to request closure

Once your balance is zero and pending activity is cleared, call Chase customer service at the number on the back of your debit card or at 1-800-935-9935 for personal accounts. Have your account number and ID ready. Tell the representative you want to close the account and confirm that the balance is zero.

The representative will ask why you are closing the account — this is optional to answer, but they may ask. They will verify your identity, confirm the account has no balance, and check for any remaining pending items. If everything is clear, they will process the closure when ready. Ask for a confirmation number and note the date.

You will receive written confirmation in the mail within five to seven business days. Keep this letter for your records, especially if you are closing the account because of fraud or a dispute.

What happens to linked services and cards

If you have a Chase debit card tied to the account you are closing, that card will stop working once the account closes. If you want to keep using a debit card, you will need to open a new Chase account or transfer the card to an existing account you already own.

Chase credit cards are separate from checking and savings accounts. Closing a checking account does not affect a credit card, and closing a credit card does not affect your bank accounts. If you want to close a credit card, that is a separate process and requires a different call to the credit card customer service line.

If you have set up Chase bill pay or Chase QuickPay through the account, those services will stop working after closure. If you use them regularly, set them up through a different account or bank before you close this one.

Timing and what to expect after closure

The account closes within one to three business days after your call. During this window, do not attempt to use the debit card or make any transactions. If a payment or transfer is still processing when you call, the closure may be delayed until that item settles.

Once closed, you cannot reopen the same account. If you change your mind within a few days, call back and ask whether the closure can be reversed — Chase sometimes allows this if the account has not fully processed, but there is no may provide. After the account is fully closed, you would need to open a new account if you want to bank with Chase again.

If you had overdraft protection or a linked savings account, closing one account does not automatically close the other. You will need to close them separately if you want both gone.

If you cannot reach customer service by phone

Chase customer service wait times vary, especially during business hours and on weekdays. If you cannot reach someone by phone, you have a few alternatives. You can visit a Chase branch in person and ask a banker to close the account for you — this is often faster than calling and takes about ten minutes. Bring your ID and debit card.

Chase also offers customer service through its mobile app and website chat during business hours, though chat representatives may not be able to complete the closure and may transfer you to a phone line anyway. Starting the conversation online can sometimes reduce your wait time on the phone.

If you are outside the United States or have a business account, the process may differ. Business accounts and some specialty accounts require additional documentation or approval before closure.

Frequently Asked Questions

Can I close my Chase account if I have a negative balance?

No. You must bring the account to zero or positive before closure. If your account is negative, you owe Chase that amount. Contact customer service to discuss payment options — you may be able to pay the negative balance from another account, or Chase may deduct it from a linked account if you have one.

What if I have a check that has not cleared yet?

Wait for the check to clear before calling to close the account. If you close before it clears, the check may bounce or be returned unpaid. You can check your pending transactions in the app to see if any checks are still outstanding.

Do I need to close my account in person, or can I do it entirely by phone?

You can do it entirely by phone once your balance is zero. Visiting a branch in person is optional but often faster if you have time. Either way works.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Only credit accounts — credit cards, loans, lines of credit — appear on your credit report. Closing a bank account has no impact on credit.

What if I closed my account but still see it online?

Closed accounts sometimes remain visible in your online portal for 30 to 90 days for record-keeping purposes. You cannot use the account, but you can view its history. If it is still showing as active or you can still make transactions, call customer service to confirm the closure went through.