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

The fastest way to close most Chase accounts is to call their customer service line at 1-800-935-9935. A representative can walk you through the process, confirm your account has no pending transactions, and close it on the spot. If you prefer to do it in person, you can visit any Chase branch with your ID and ask to close the account. Online closure is available for some account types through the Chase mobile app or website, though not all accounts can be closed this way.

Before you close anything, move or withdraw your remaining money. Chase will not hold funds after closure, and getting access to trapped money takes longer than closing the account itself. If you have automatic payments or direct deposits set up, those will stop working once the account closes, so update those with your new bank first.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase accounts; the process takes minutes if your account is in good standing.
  • Withdraw or transfer all remaining money before closing, because Chase will not hold funds after the account is closed.
  • Update any automatic payments, bill pay, or direct deposits with your new bank before you close the account.
  • If you have an outstanding balance or pending disputes, Chase may not close the account until those are resolved.
  • Ask for written confirmation of closure, either by mail or email, so you have a record.

What happens to money still in the account

Any balance remaining in your account when it closes stays yours, but accessing it becomes harder. Chase will mail you a check to the address on file, which can take one to two weeks. If you want the money faster, withdraw it in cash or transfer it to another bank before you close the account.

If you have pending deposits or transactions that have not cleared yet, tell the Chase representative before closing. Some transactions can take several days to post, and closing the account while money is in transit can cause those transactions to fail or bounce back to the sender.

Closing accounts with an outstanding balance or hold

If your account is overdrawn or you owe Chase money, they will not close it until the balance is paid. You will need to deposit enough to cover the negative balance first. Once the account is back to zero or positive, you can proceed with closure.

Similarly, if there is a hold on your account — usually because of a dispute, fraud investigation, or unpaid fees — Chase will not close it until the hold is lifted. Ask the representative what is causing the hold and what you need to do to remove it. This can take anywhere from a few days to several weeks depending on the reason.

Closing a Chase credit card account

Closing a credit card works differently from closing a checking or savings account. Call the number on the back of your card or 1-800-935-9935 and ask to close the account. Chase will confirm you have no outstanding balance, then close it.

Before you close a credit card, understand that it can affect your credit score. Closing an account reduces the total credit available to you, which can raise your credit utilization ratio — the percentage of your total credit limit that you are using. If you have other cards with balances, this ratio goes up, and a higher ratio can lower your score temporarily. Closing an older card also removes its history from your credit report, which can shorten your overall credit age. If you want to keep the card open without using it, you can ask Chase to convert it to a no-annual-fee card instead.

Getting confirmation of closure

After you close the account, ask the representative for a confirmation number and request written confirmation by mail or email. This gives you proof that the account is closed in case there are questions later. Chase should send you a final statement showing the account is closed.

Keep this confirmation for your records. If a company tries to charge the closed account later, or if you see activity on it after closure, you will have proof that you closed it on a specific date.

What to do if you cannot close the account by phone

If you are having trouble closing the account over the phone — for example, if the representative says there is a problem you do not understand — visit a Chase branch in person. Bring your ID and any account statements you have. A branch employee can often resolve issues that the phone line cannot, or escalate the problem to someone who can.

If you have already closed the account and money is still being held, or if you believe there was an error, contact Chase's consumer complaint department. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov if you believe Chase is not handling your closure request fairly.

Frequently Asked Questions

How long does it take to close a Chase account?

Most accounts close when ready when you call or visit a branch, and you will get a confirmation number on the spot. However, it can take one to two weeks for the account to fully disappear from Chase's system and for any remaining balance to be mailed to you as a check.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Closing a credit card can lower your score temporarily because it reduces your available credit, but the impact is usually small and temporary if you have other accounts in good standing.

What if I closed my account and forgot to update my direct deposit?

Contact your employer's payroll department or the organization sending the direct deposit and give them your new bank account number. They can usually update it within one or two pay periods. If a deposit is sent to the closed account, it will be returned to the sender, and you may need to resubmit it to your new bank.

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 the account because of overdrafts or other problems, Chase may review your history before approving a new account. There is no waiting period, but the approval process may take a few days.

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

You can close most accounts by phone without visiting a branch. Phone closure is faster and works for checking, savings, and credit card accounts. Visit in person only if you prefer face-to-face help or if the phone representative says there is a problem that requires a branch visit.