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, ask why you're closing the account, and walk you through the steps. The whole call usually takes 10 to 15 minutes.

If you prefer to close in person, visit any Chase branch with a photo ID and your account number. A banker can process the closure on the spot. For some account types — particularly Chase checking accounts — you can also initiate closure through the Chase mobile app or website, though you may still need to call to complete it.

Before you close, make sure your account balance is zero. If you have money in the account, Chase will either let you withdraw it during the closure process or mail you a check. If the account is overdrawn, you'll need to pay the negative balance first.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase accounts; have your account number and ID ready.
  • You must have a zero balance before closing, or Chase will send you a check for any remaining funds.
  • If your account is overdrawn, you'll need to pay the negative balance before the closure can complete.
  • Closing takes effect when ready by phone or in person, though it may take a few business days to process fully.
  • After closure, any automatic payments or direct deposits linked to that account will stop, so update those services first.

What to do before you call Chase

Stop any automatic payments or recurring charges tied to the account. This includes subscriptions, insurance premiums, loan payments, or utility bills. If you don't redirect these before closing, they'll fail and may trigger overdraft fees or late payment penalties with the companies you owe money to.

If you receive direct deposit paychecks, update your employer or payroll provider with a new account number. The same applies to government benefits like Social Security or unemployment payments. Chase won't forward these deposits to another account — they'll straightforward be rejected.

Review your recent statements to make sure you've caught all the recurring charges. Some subscriptions renew monthly or quarterly, so look back at least three months. Write down anything you find so you can update it before you close.

What happens to your debit card and checks

Your debit card will stop working when ready after closure. If you have blank checks from that account, they become invalid and should be destroyed. Don't try to use them — they'll bounce and create problems for whoever you give them to.

If you have a checkbook with printed checks, shred or destroy the unused ones. If you're worried about identity theft, you can also contact Chase to report the checks as closed, though this isn't required.

Closing a joint account

If the account is held jointly with another person, both account holders usually need to agree to close it. Call Chase and ask whether both signatures are required for your specific account type. Some joint accounts can be closed by one person, but others cannot.

If you and the other account holder disagree about closing, you may need to remove yourself from the account instead. Ask Chase about converting it to a single-name account or removing your name entirely. This is different from closing and leaves the account open for the other person.

What to do if you have an outstanding balance or dispute

If your account is overdrawn — meaning you owe Chase money — you must pay the negative balance before closing. You can do this by transferring funds from another account, making a deposit, or paying by phone. Chase won't close an account with a negative balance.

If you're disputing a charge or have a pending claim, closing the account may complicate the resolution. Contact Chase's dispute department before you close to understand how closure affects your case. In some situations, you may need to keep the account open until the dispute is resolved.

How long closure takes and what to expect after

When you close by phone or in person, the closure is effective when ready. However, it can take three to five business days for the closure to fully process in Chase's system. During this time, any remaining transactions may still post to the account.

If you had a positive balance, Chase will mail you a check within 7 to 10 business days. The check will be sent to the address on file. If you've moved, update your address with Chase before closing so the check goes to the right place.

After closure, you won't be able to log into the account online or through the app. Your account history remains available — you can request statements or records from Chase if you need them for tax or legal purposes.

Closing a savings account versus a checking account

The process is the same whether you're closing a checking or savings account, but the timing may differ slightly. Savings accounts sometimes have a waiting period if you've made a large withdrawal recently, though Chase typically doesn't enforce this for closure. Checking accounts close when ready.

If you have a Chase savings account linked to a checking account for overdraft protection, closing the savings account won't affect the checking account. However, overdraft protection will no longer work, so your checking account could overdraw if you don't have enough funds.

Frequently Asked Questions

Can I close my Chase account online?

Some Chase checking accounts can be closed through the mobile app or website, but most require a phone call to complete. Start with the app or website — if closure isn't available there, you'll be directed to call. Savings accounts typically require a phone call or in-person visit.

Will closing my account hurt my credit score?

Closing a bank account does not affect your credit score. Credit scores are based on borrowing and repayment history, not on checking or savings accounts. You can close without worry about credit impact.

What if I closed my account but money is still being charged to it?

Contact Chase when ready at 1-800-935-9935. If a company is still charging a closed account, the transaction should fail and be returned. If you're being charged fees for this, ask Chase to reverse them. You may also need to contact the company charging you to remove the account from their system.

Can I reopen a Chase account after I close it?

Yes, you can open a new Chase account at any time. However, if you closed due to a negative balance or dispute, Chase may flag your account and require you to wait or provide additional information. If you closed in good standing, opening a new account is straightforward.

Do I need to close my account in person, or can I do it all by phone?

You can close entirely by phone. In-person closure is an option if you prefer to handle it face-to-face or if you want to withdraw cash from your remaining balance when ready, but it's not required.