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. Have your account number ready. A representative will confirm your identity, check for outstanding transactions or holds, and process the closure. The account typically closes within one to three business days, though some account types take longer.
If you prefer to close the account in person, visit any Chase branch with a government-issued ID and your account number. A banker can close it on the spot. For online accounts without a local branch nearby, phone is usually your only option — Chase does not currently offer account closure through their online banking portal.
Before you call or visit, make sure any automatic payments or direct deposits are redirected to another account. Chase will not process transfers out of a closed account, and missed payments can damage your credit or result in late fees.
Key Takeaways
- Call Chase at 1-800-935-9935 with your account number ready to close most accounts by phone in one call.
- Visit a Chase branch in person with your ID and account number if you prefer to close the account face-to-face.
- Redirect automatic payments and direct deposits to another account before closing, or they will fail after the account shuts down.
- Bring your account to a zero balance or ask Chase what happens to remaining funds — they may mail a check or hold money briefly.
- Request written confirmation of the closure and keep it for your records in case disputes arise later.
What to do before you call or visit
Check your account for any pending transactions. If you have checks outstanding, automatic bill payments set up, or direct deposits coming in, those will fail once the account closes. Log into your Chase account online or call to review what is scheduled.
Move any money you want to keep to another bank account. You can transfer it online if you have another account set up, or ask Chase to mail you a check. If you leave money in the account when it closes, Chase will either mail it to you or hold it briefly — ask the representative what their process is.
Pay off any negative balance. If you owe Chase money due to overdrafts or fees, settle that before closing. A closed account with a debt can be reported to credit agencies and sent to collections.
Closing the account by phone
Call 1-800-935-9935 during business hours. Have your account number, Social Security number, and a government-issued ID nearby. The representative will ask why you are closing the account — you do not have to give a detailed reason, but they may offer to help you keep it open. You can decline.
The representative will confirm there are no holds or pending transactions, then process the closure. Ask them to email or mail you written confirmation of the closure date and final balance. This protects you if the account is mistakenly reopened or if a payment tries to post after closure.
After you hang up, wait one to three business days before assuming the account is fully closed. Check your online banking to confirm it no longer appears in your account list.
Closing the account in person at a branch
Bring your government-issued ID and your account number to any Chase branch. Tell the banker you want to close the account. They will review your balance, check for pending transactions, and ask if you want the remaining balance mailed to you or transferred elsewhere.
The banker will process the closure while you wait. Ask for a written receipt showing the closure date, final balance, and confirmation that the account is closed. Keep this for your records.
If you have multiple accounts at Chase and only want to close one, make sure you tell the banker which account. Closing one account does not affect the others.
What happens to your remaining balance
If you have money left in the account when it closes, Chase will not keep it. You have two options: ask them to transfer it to another account you own at Chase or elsewhere, or request a check mailed to your address on file.
If you do not specify what to do with the balance, Chase will mail you a check. This can take one to two weeks. If you do not cash the check within a certain period (usually three to five years depending on your state), the money may be turned over to your state as unclaimed property. You can still claim it, but the process is slower.
Reasons your account might not close when ready
If you have a pending dispute, fraud claim, or hold on the account, Chase may not close it right away. They will tell you this when you call or visit. The closure will happen once the issue is resolved, which can take days or weeks.
Some accounts, like investment or brokerage accounts held at Chase, require additional steps or paperwork to close. If you have linked accounts or credit products, closing one account may not close the others. Ask the representative which accounts will be affected.
If you have a negative balance due to overdrafts or unpaid fees, Chase may refuse to close the account until you pay it. Settle any debt first, then request closure again.
After your account is closed
Check your credit report a few weeks after closure to make sure the account is marked as closed by the account holder, not closed by the bank due to inactivity or other reasons. You can view your credit report free once a year at annualcreditreport.com.
If you set up automatic payments or direct deposits with this account, contact those companies to update your banking information. Payments sent to a closed account will bounce, and you may face late fees or service interruptions.
Keep the written confirmation of closure for at least one year. If a payment or charge appears on the account after it closes, you will need proof that the account was closed to dispute it.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, but it depends on how long ago you closed it and why. If you closed it recently and in good standing, you can usually open a new account right away. If the account was closed due to fraud, unpaid fees, or negative balance, Chase may require you to wait or may deny you. Contact Chase directly to ask about your situation.
What if I have a Chase credit card linked to the checking account I want to close?
Closing a checking account does not close a credit card. The credit card will remain open and active. However, if you have automatic payments set up from that checking account to pay your credit card bill, you will need to change the payment method before closing the account, or payments will fail.
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 the account with a negative balance and do not pay it, that debt can be reported and damage your score.
How long does it take for a closed account to stop showing up online?
Usually one to three business days. Log into your Chase online banking to confirm the account no longer appears in your account list. If it still shows after a week, contact Chase to confirm the closure went through.
Can someone else close my account without permission?
No. Chase requires the account holder to provide identification and authorization. If you believe someone closed your account without permission, contact Chase when ready and file a fraud claim. They can investigate and may reopen the account.