You can close most Chase accounts through their website or mobile app without calling

Chase lets you close checking and savings accounts online through their website or the Chase Mobile app. The process takes a few minutes and does not require you to visit a branch or speak to anyone on the phone. You will need to transfer or withdraw any remaining money first, and Chase will send you written confirmation once the account is closed.

The exact steps depend on which type of account you have and whether you have linked accounts or outstanding transactions. Some account types — like business accounts or accounts with certain features — may require a phone call or branch visit instead.

Key Takeaways

  • You must move or withdraw all money from your account before closing it; Chase will not close an account with a balance.
  • The online closure process works for most personal checking and savings accounts but not for business, credit card, or investment accounts.
  • After you close the account, Chase will mail you a confirmation letter within one to two weeks.
  • If you have pending deposits or automatic payments set to that account, cancel or redirect them before you close it.
  • If the online option does not work for your account type, you can call Chase at 1-800-935-9935 or visit a branch in person.

Steps to close your account through the Chase website

Log into your Chase account on chase.com using your username and password. Once you are logged in, look for the account you want to close in your account list on the left side of the screen.

Click on the account name, then look for a menu icon (usually three horizontal lines or dots) in the upper right corner of that account's section. Select "Close Account" or "Account Settings" from the menu. Chase will show you a confirmation screen that lists the account number and asks you to confirm you want to close it. Read through any warnings about pending transactions or linked services, then click the button to confirm closure.

Chase will send you a confirmation email right away and a paper confirmation letter in the mail within one to two weeks. Keep the paper confirmation for your records.

Steps to close your account through the Chase Mobile app

Open the Chase Mobile app and log in with your username and password. Tap the account you want to close from your account list at the bottom of the screen.

Tap the menu icon (three horizontal lines) in the upper right corner, then scroll down and select "Close Account." Chase will show you the account number and ask you to confirm. Tap the confirmation button, and the account will be closed. You will receive an email confirmation when ready and a mailed confirmation letter within one to two weeks.

What to do with your money before closing

Before you close the account, you must move or withdraw every dollar in it. Chase will not close an account that still has a balance, even if the balance is very small.

If you have money in the account, transfer it to another bank account you own (at Chase or elsewhere) or withdraw it as cash at a Chase ATM or branch. If you are closing a checking account and have automatic payments or direct deposits set to it, change those payments to your new account before you close the old one. This prevents missed payments or lost deposits.

If you are not sure whether you have pending transactions, log into your account and check your recent activity for the past 30 days. Look for any deposits or payments that have not cleared yet.

Account types that require a phone call or branch visit

Chase business accounts, credit card accounts, and investment accounts cannot be closed online. If you have a business checking or savings account, you will need to call Chase at 1-800-935-9935 or visit a branch. Have your account number and a form of ID ready.

If you want to close a Chase credit card, you can call the number on the back of your card or contact Chase at 1-800-935-9935. Closing a credit card affects your credit score, so understand that impact before you proceed. If you have a Chase investment account (brokerage or retirement account), contact the investment services team directly — the number is on your statements or you can find it on chase.com.

What happens after you close your account

Once your account is closed, you cannot use the debit card, checks, or online access for that account anymore. Chase will deactivate the card within one business day. If you have checks that are still in circulation, they will bounce if someone tries to cash them after the account closes, so contact anyone you recently wrote a check to and let them know.

Chase will keep your account records for a set period (usually five to seven years) in case you need statements or documentation later. You can request old statements by calling 1-800-935-9935 or logging into your account before the closure is complete and downloading them yourself.

If you closed the account by mistake, you can reopen it within a short window — usually 30 days — by calling Chase. After that, you will need to open a new account instead.

Reasons the online closure might not work

If you try to close your account online and the option does not appear, it usually means one of a few things: the account has a balance (even a small one), the account type does not support online closure, or there are pending transactions Chase needs to process first.

Check your account balance and make sure it is zero. If it is, wait 24 hours and try again — sometimes pending transactions take time to clear. If the option still does not appear after that, call Chase at 1-800-935-9935 and ask them to close it for you. Have your account number and ID ready.

Frequently Asked Questions

Will closing my account hurt my credit score?

Closing a checking or savings account does not affect your credit score because those accounts do not appear on your credit report. Closing a credit card account can lower your score slightly because it reduces your total available credit, but the impact is usually small and temporary.

What if I have a pending direct deposit or automatic payment?

You must redirect or cancel these before you close the account. Log into your account and look for the "Transfers" or "Payments" section to change where deposits go or where payments come from. If you close the account before redirecting them, the deposit will bounce or the payment will fail, which can cost you money or damage your credit.

Can I reopen the account if I close it by mistake?

Yes, but only within about 30 days. Call Chase at 1-800-935-9935 and ask them to reopen it. After 30 days, the account is permanently closed and you will need to open a new account instead.

How long does it take for the account to actually close?

The account closes when ready when you confirm the closure online, but Chase will mail you a written confirmation letter within one to two weeks. You will not be able to use the debit card or access the account online right away.

Do I need to close my debit card separately?

No. When you close the account, Chase automatically deactivates the debit card linked to it within one business day. You do not need to do anything else.