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. You can also visit a Chase branch in person with your ID, or use the mobile app or website if your account type supports online closure. Chase will ask you to move any remaining money out first, confirm your identity, and may ask why you're leaving — but you don't have to give a reason.

The whole process usually takes less than 15 minutes on the phone. If you have pending transactions, automatic payments set up, or a negative balance, those need to be handled before the account closes. Chase will send you a final statement and confirmation that the account is closed.

Key Takeaways

  • Call 1-800-935-9935 to close your account over the phone, which works for checking, savings, and most other account types.
  • Move all your money out of the account before closing, and cancel any automatic payments or transfers linked to it.
  • If your account has a negative balance or pending transactions, Chase will not close it until those are resolved.
  • You'll receive a final statement by mail showing the account is closed and any remaining activity.
  • Closing an account does not hurt your credit score, but it may affect your credit history if you close a credit card.

What to do before you call Chase

Before you contact Chase, move any money you want to keep to another bank account. You can transfer it to an external account online, withdraw it in cash at a branch, or ask Chase to send you a check. If you have a small balance left, Chase may let you leave it and close the account, but it's cleaner to empty it yourself.

Next, cancel any automatic payments or recurring transfers tied to the account. This includes bill payments, paycheck direct deposits, subscription charges, or transfers to savings. Log into your Chase account online or call to review what's set up. If you miss this step, those payments may fail or bounce, which can cause late fees with the companies you owe.

If you have a Chase credit card linked to the checking or savings account for automatic payments, update those payment methods before closing the bank account. Move them to a different bank account or set up manual payments instead.

Closing the account by phone

Call 1-800-935-9935 and tell the representative you want to close your account. Have your account number and ID ready. The representative will confirm your identity, review any remaining balance, and ask if there are pending transactions. If everything is clear, they'll process the closure right away.

If your account has a negative balance (meaning you owe Chase money), they will not close it until you pay what you owe. If there are pending transactions still processing, they may ask you to call back in a few days once those clear. Ask the representative for a confirmation number and note the date — you'll need this if you have questions later.

Closing the account in person at a branch

Visit any Chase branch with a government-issued ID and your account number. A teller can close most checking and savings accounts on the spot. Bring any remaining balance in cash or ask them to issue a check. The branch can also help you cancel automatic payments if you haven't done that yet.

In-person closure is useful if you want to withdraw cash when ready or if you prefer to handle it face-to-face. The teller will give you a receipt showing the account is closed. Ask for a written confirmation if you want it for your records.

Closing a credit card account

Closing a Chase credit card works differently than closing a checking or savings account. Call the number on the back of your card or 1-800-935-9935. Pay off any balance first — Chase will not close an account with an outstanding balance.

Once the balance is paid, the representative will close the card. Closing a credit card does not hurt your credit score directly, but it may affect your credit history. Your credit report will show the account as closed, which is normal. If this was one of your oldest accounts, closing it might slightly lower your credit score because it reduces the average age of your accounts, but the effect is usually small and temporary.

What happens after you close the account

Chase will send you a final statement within one to two billing cycles showing all activity up to the closure date. The statement will confirm the account is closed. Keep this for your records.

If you set up automatic payments with other companies using this account number, those payments will fail after closure. Contact those companies to update your payment method to a different bank account. This is especially important for utilities, insurance, loan payments, and subscriptions — a failed payment can trigger late fees or service interruption.

Your account number will not be reused, so there's no risk of someone else getting it. If you want to open a new Chase account later, you can do so at any time.

If you're having trouble closing your account

If Chase won't close your account because of a negative balance, you need to deposit money to bring it to zero or positive. If there are pending transactions, ask the representative how long they typically take to clear — usually two to five business days. Once those clear, call back to close it.

If you're having trouble reaching customer service or the closure is taking longer than expected, visit a branch in person. A manager can often resolve issues faster than the phone line, especially if there's a dispute or unusual situation with the account.

Frequently Asked Questions

Does closing a Chase account hurt my credit?

Closing a checking or savings account does not affect your credit score at all. Closing a credit card may have a small temporary effect because it changes your credit history, but the impact is usually minor and fades over time. Closing an account in good standing is normal and does not harm your creditworthiness.

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

Pending transactions may still process after closure if they were already scheduled. Direct deposits will fail and bounce back to your employer. Automatic payments will fail and may trigger late fees with the company you owe. Cancel all automatic payments before closing, and update your direct deposit information with your employer if you're switching banks.

Can I reopen a Chase account I just closed?

Yes, you can open a new Chase account at any time. However, if your account was closed due to fraud, violation of terms, or repeated overdrafts, Chase may deny you. For a standard closure, there's no waiting period — you can open a new account the same day if you want.

What if I forgot to move money out before closing?

If you closed the account with money still in it, contact Chase when ready. They can reopen the account temporarily so you can withdraw the funds, or they may mail you a check. Call 1-800-935-9935 and explain the situation — they handle this regularly and can resolve it quickly.

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

You can close most Chase accounts entirely by phone. In-person closure is optional and mainly useful if you want to withdraw cash when ready or prefer handling it face-to-face. Phone closure is faster and works just as well for most people.