You can close most Chase accounts through the mobile app or website, but the exact steps depend on the account type
Chase lets you close checking and savings accounts online through their mobile app or website, but the process is not identical for every account. A basic checking account closes differently than a money market account or a linked credit card. The fastest route is the mobile app if you have one set up—it usually takes three to five minutes. If you use the website, the steps are similar but the menu structure varies slightly depending on whether you are on desktop or mobile browser.
Before you start, know that Chase will not let you close an account with a negative balance, and some accounts have minimum balance requirements that trigger fees if you drop below them. If your account is overdrawn, you must bring it to zero or positive first. You should also move any money out to another bank account beforehand, because once the account closes, Chase will not accept deposits to it.
Key Takeaways
- Chase accounts close through the mobile app or website, and the app is usually faster than the browser version.
- You cannot close an account with a negative balance, so you must pay any overdraft fees before you start.
- Move your money to another bank first—Chase will not accept deposits after the account closes.
- If you have linked credit cards or other products to the account, you may need to update payment methods before closing.
- Closed accounts stay on your credit report for seven years if they were in good standing, which does not harm your score.
Closing a checking or savings account through the Chase mobile app
Open the Chase mobile app and sign in. Tap the account you want to close—it will show in your account list at the bottom of the screen. Once you have selected it, look for the menu icon (three horizontal lines) in the top right corner and tap it. Scroll down until you see "Close account" or "Close this account." Tap that option.
Chase will ask you to confirm the closure and may ask why you are closing. You can skip the reason or select one from a list—it does not affect whether the account closes. Review the final confirmation screen, which will tell you the account is scheduled to close. The app will show you a reference number. Write it down or take a screenshot. The account typically closes within one to three business days.
Closing an account through the Chase website
Log into your Chase account at chase.com. Click on the account name or account number in your account list. On the account details page, look for a "Menu" button or gear icon in the top right. Click it and select "Close account" from the dropdown. Chase will show you a confirmation page with details about the closure.
The website version sometimes requires an extra step: Chase may ask you to confirm your identity by sending a code to your phone or email. Enter that code when prompted. After confirmation, you will see a final screen with a reference number and a message that the account is scheduled to close. Like the app, closure takes one to three business days.
What to do if you cannot close the account online
Some account types—certain business accounts, accounts with pending disputes, or accounts with holds placed by the bank—cannot close through the app or website. If you tap or click "Close account" and nothing happens, or if the option does not appear, the account has a restriction.
Call Chase at the number on the back of your debit card or on your statement. Tell them you want to close the account. They will ask for your account number and may verify your identity. The phone representative can close the account when ready and will give you a confirmation number. This usually takes five to ten minutes. Ask them to email you a confirmation, or write down the confirmation number they give you.
Handling linked credit cards and automatic payments
If you have a Chase credit card or other Chase products linked to the checking account you are closing, you need to update the payment method on those cards before the account closes. Log into each linked product and change the payment account to a different bank account or set up a different payment method. If you do not do this, your next payment will fail, and Chase will report it as a missed payment.
Check for any automatic bill payments or transfers tied to the account. Log into your biller accounts (utilities, insurance, subscriptions) and update the bank account information there. If you have automatic transfers set up through Chase itself—for example, moving money from checking to savings each month—cancel those transfers before closing. You can set up new ones with your new bank if you want to keep the habit.
What happens to your money after the account closes
Any remaining balance in the account will be mailed to you as a check within seven to ten business days after the account closes. The check will be sent to the address Chase has on file. If you want the money faster, call Chase before you close the account and ask them to transfer the remaining balance to another account you own at a different bank. They can do this while the account is still open.
If the account has a pending direct deposit scheduled to arrive after closure, that deposit will bounce back to the sender. Contact your employer or the organization sending the deposit and give them your new bank account details so they can resubmit it.
How account closure affects your credit and banking history
Closing a Chase account in good standing does not hurt your credit score. The account will appear on your credit report for seven years as "closed by consumer," but it will not lower your score. If the account had a negative balance or was closed due to fraud, that may stay on your report longer and could affect future applications.
Your banking history with Chase remains in their system. If you want to open a new Chase account later, they will see that you closed this one. This does not prevent you from opening a new account, but Chase may review your history if you explore for a premium product like a high-yield savings account or a credit card with a sign-up bonus.
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 closing. If you are overdrawn, deposit money to cover the overdraft fee first. Once the balance is positive, you can close the account through the app or website.
How long does it take for a Chase account to actually close?
One to three business days after you request closure through the app or website. If you close by phone, the representative will confirm it closes when ready, but it may take a day or two to fully process on Chase's end. You will not be able to use the debit card or access the account once it closes.
What if I close my account and then realize I need it back?
You can reopen a closed Chase account within a short window—usually 30 days—by calling Chase or visiting a branch. After that window closes, you will have to open a new account. There is no penalty for reopening within the window, but you will get a new account number.
Will closing my account affect my credit score?
No, closing a checking or savings account does not affect your credit score. Only credit accounts (credit cards, loans) impact your score. The closed account will show on your credit report for seven years, but as a closed account in good standing, it will not lower your score.
What if my Chase account is linked to my Chase credit card?
You can close the checking or savings account without closing the credit card. Before you close the bank account, update the payment method on your credit card to a different bank account or set up a different payment option. If you do not, your next payment will fail.