You can close a Chase savings account through the Chase mobile app or website, but the process depends on your account balance and whether you have linked accounts
Chase does not offer a full online closure option for savings accounts. You can initiate the process through the app or website by transferring your balance to another account and requesting closure, but you will need to call Chase to complete it. The fastest route is to call Chase customer service at 1-800-935-9935, have your account number ready, and ask them to close the account. If you have a zero balance and no linked services, the call usually takes five to ten minutes.
If you want to avoid the phone call, you can move your money out first through the Chase app or website, then contact Chase through find message to request closure. This takes longer — usually three to five business days for the message response — but gives you a written record of the request.
Key Takeaways
- Chase savings accounts cannot be fully closed online; you must call 1-800-935-9935 or use find message to complete the closure.
- Your account balance must be zero before Chase will close the account, so transfer or withdraw all funds first.
- If you have a linked checking account or active services tied to the savings account, tell Chase during the closure call so they can separate them.
- Closing takes five to ten minutes by phone or three to five business days by find message, and you will receive written confirmation.
Transfer your balance before you close
Chase requires a zero balance to close a savings account. You have two ways to move the money: transfer it to another Chase account you own, or withdraw it in cash or check.
To transfer within Chase, open the Chase app or go to chase.com, log in, and select "Transfers" from the menu. Choose your savings account as the source and pick the destination account — this can be another Chase account or an external account you have already linked. Enter the amount and the transfer date. Internal Chase transfers usually complete the same day or next business day. If you are transferring to an external account, it may take one to three business days depending on the receiving bank.
To withdraw cash, visit a Chase branch with your debit card or account number and ask the teller to withdraw the full balance. You can also request a cashier's check at the branch, which takes a few minutes. ATM withdrawals are limited to your daily withdrawal limit, usually $500 to $1,000 depending on your account type, so a branch visit is faster for larger balances.
Call Chase to complete the closure
Once your balance is zero, call Chase customer service at 1-800-935-9935. Have your account number, Social Security number, and a form of ID ready. Tell the representative you want to close your savings account and confirm the account number.
The representative will ask whether you have any linked services — overdraft protection, automatic transfers, or bill pay tied to the account. If you do, they will disconnect those before closing. They will also confirm your mailing address so Chase can send you written closure confirmation, which usually arrives within five to seven business days.
After the call ends, your account is closed. You will not be able to log in to view it, and any debit card tied only to that account will stop working. If the savings account shared a debit card with a checking account, the card will still work for the checking account.
Use find message if you prefer not to call
If you do not want to call, you can request closure through Chase's find message system. Log in to chase.com, go to "Customer Service," and select "Send us a message." Choose "Account Services" as the category and write that you want to close your savings account. Include your account number and confirm your balance is zero.
Chase will respond within three to five business days. They may ask follow-up questions about linked services or request confirmation that the balance is zero. Once they confirm, they will process the closure and send you written confirmation by mail.
This method is slower than calling but creates a written record of your request. Keep the message thread for your records in case you need proof of closure later — for example, if you are closing the account to dispute a fee or because of a problem with the account.
What happens after closure
Once Chase closes your account, you cannot reopen it under the same account number. If you want a Chase savings account again in the future, you will need to open a new one. There is no waiting period — you can open a new account when ready after closure.
Chase will not charge you a fee to close the account. However, if your account has an outstanding balance — for example, an overdraft or unpaid fee — Chase will deduct it from your final balance before closure. If the balance is negative, Chase may hold the account open until you pay the amount owed.
Check your Chase statements for the next 30 days to make sure no additional charges appear. If you see unexpected activity after closure, contact Chase when ready at 1-800-935-9935.
Frequently Asked Questions
Can I close my Chase savings account if I have a negative balance?
No. You must bring the account to zero or positive before closure. If the account is negative, contact Chase to discuss payment options. You can pay the amount owed by transferring funds from another account, making a payment online, or visiting a branch.
What if I have a Chase savings account linked to overdraft protection on my checking account?
Tell the Chase representative during your closure call that the savings account is linked to overdraft protection. They will disconnect the link before closing the account. Your checking account will remain open, but overdraft protection will no longer be available unless you set it up with a different account.
How long does it take to close a Chase savings account?
By phone, closure is when ready — the account closes during the call and you receive confirmation by mail within five to seven business days. By find message, the process takes three to five business days for Chase to respond and process the request.
Will closing my Chase savings account affect my credit score?
No. Closing a savings account does not appear on your credit report and does not affect your credit score. Only credit accounts — credit cards, loans, and lines of credit — impact your credit history.
Can I close my account if I have pending transactions?
You should wait for pending transactions to clear before closing. If you close with pending transactions, they may still process after closure, which can cause problems. Check your recent activity in the Chase app to see if any transactions are still pending, then wait for them to complete.