You can close a Chase checking account by phone, in person, or online, but the method depends on your account type and whether you have an outstanding balance

The fastest way to close a Chase checking account is to call Chase customer service at 1-800-935-9935. Have your account number ready. A representative will confirm your identity, check for pending transactions or outstanding balances, and process the closure. The account typically closes within one to three business days.

If you prefer to close the account in person, visit any Chase branch with a valid ID and your account number. A banker can walk you through the process on the spot and answer questions about what happens to direct deposits, automatic payments, or pending checks. This route is useful if your account has complications—like a negative balance or fraud holds—that need when ready attention.

Online closure is available through the Chase mobile app or website for some account types, though not all checking accounts support it. Log in, navigate to account settings, and look for a "close account" or "manage account" option. If you do not see it, the account type does not support online closure, and you will need to call or visit a branch.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase checking accounts; the process takes one to three business days.
  • You must have a zero or positive balance before closing; if your account is overdrawn, you will need to deposit funds first.
  • Any pending checks, automatic bill payments, or direct deposits linked to the account will be affected, so redirect them before you close.
  • Chase will mail a final statement and any remaining balance as a check within 30 days of closure.
  • If you have a linked savings account or credit card, closing the checking account does not affect those products.

What to do before you call or visit

Before you close the account, make sure there are no pending transactions. Check your recent activity in the Chase app or online banking to see if any checks you wrote are still clearing, or if any automatic payments are scheduled. If you have direct deposit set up—for a paycheck or benefits—you will need to update that with your employer or the paying agency to send money to a different account instead.

Pay off any negative balance. If your account is overdrawn, Chase will not close it until the balance is zero or positive. Deposit enough money to cover the overdraft, wait for it to post (usually one business day), and then proceed with closure.

Gather your account number and a form of ID. You will need both when you call or visit. Your account number appears on your debit card, checks, or in the Chase app under account details.

What happens to your money and final statement

Any remaining balance in the account will be returned to you. If the balance is small, Chase may mail a check to the address on file within 30 days of closure. If the balance is larger, you can ask the representative to transfer it to another Chase account you own, or to a different bank account entirely—though transfers to outside banks may take three to five business days to process.

You will receive a final statement by mail showing all activity through the closure date. Keep this for your records, especially if you need proof of account closure for tax purposes or to show a creditor that the account is no longer active.

Closing a joint account

If the checking account is held jointly with another person, both account holders must consent to closure. Chase will not close a joint account based on one person's request alone. If the other account holder is unavailable or unwilling, you have limited options: you can ask Chase to remove yourself as an authorized user (which converts it to a sole account in the other person's name), or you can leave the account open.

If you need to remove yourself from a joint account, call Chase and explain the situation. A representative can tell you whether the other account holder needs to be present or whether a signed authorization form is sufficient.

If your account has fraud holds or is restricted

If Chase has placed a hold on your account due to suspected fraud or suspicious activity, you may not be able to close it when ready. The hold must be lifted first. Call the fraud department at the number on the back of your debit card or in your account notice to resolve the issue, then proceed with closure once the hold is removed.

If your account is restricted because of a debt collection claim or a tax levy, Chase may not release the remaining balance to you. In that case, the funds will be held or sent to the agency making the claim. Contact Chase to understand the restriction and what documentation you may need to dispute it.

What happens to linked services and products

Closing your checking account does not close any linked savings accounts, money market accounts, or credit cards. Those remain open and active. However, if you have set up bill pay through the checking account, those payment instructions will stop working once the account closes. Update any recurring bills to pull from a different account before you close.

If you have a Chase debit card tied to the checking account, it will stop working once the account closes. If you want to keep using a debit card, open a new checking account or link the card to an existing savings account (if Chase allows it for your card type).

Timeline and confirmation

Most Chase checking accounts close within one to three business days of your request. If you closed the account by phone or in person, ask the representative for a confirmation number. Write it down or take a screenshot. If you do not receive a final statement within 30 days, use that confirmation number to follow up with Chase.

If you closed online, take a screenshot of the confirmation page. Log back into your account a few days later to verify the account no longer appears in your account list. If it still shows up after five business days, call customer service to confirm the closure went through.

Frequently Asked Questions

Can I reopen a Chase checking account after I close it?

Yes. You can open a new Chase checking account at any time, either online, by phone, or in a branch. There is no waiting period. However, if the account was closed due to fraud or violation of Chase's terms, Chase may decline to open a new account for you.

What if I close my account but a check I wrote hasn't cleared yet?

The check may still clear after the account closes. Chase will honor checks written before closure for a limited time (usually 180 days). If a check clears after closure and there are no funds, it will bounce. Before closing, contact anyone you wrote a check to and ask them to deposit it before your closure date, or ask Chase to hold the closure for a few more days.

Do I lose my routing and account number after closure?

Yes. Once the account is closed, that account number is retired and cannot be reused. If you need your routing number for tax forms or other purposes, you can find it on old checks or statements, or call Chase to ask for it in writing.

Will closing my account hurt my credit score?

No. Closing a checking account does not affect your credit score. Credit bureaus do not track checking accounts—only credit products like loans and credit cards. Closing a checking account is a banking transaction, not a credit event.

What if I have automatic payments set up and forget to change them before closing?

Payments scheduled to come from the closed account will fail. The merchant or service provider will receive a rejection notice and may charge you a fee for the failed payment. Contact them when ready to set up payment from a different account. Going forward, update automatic payments at least one week before you close any account.