You can close most Chase accounts through the mobile app or website, but the exact steps depend on the account type
Chase lets you close checking and savings accounts online through their mobile app or website without calling or visiting a branch. The process takes a few minutes and happens when ready — your account closes that day. However, Chase does not let you close all account types online. Investment accounts, credit cards, and business accounts require a phone call to Chase customer service or a visit to a branch.
Before you close, make sure your account balance is zero. If you have money in the account, transfer it to another bank first. If you have pending transactions or automatic payments set to that account, those will fail after closure. Chase will not reopen a closed account, so verify everything is settled before you proceed.
Key Takeaways
- Chase lets you close personal checking and savings accounts online through the app or website, but credit cards and investment accounts must be closed by phone or in person.
- Your account must have a zero balance before closure — transfer any remaining money to another bank first.
- Any automatic payments or direct deposits tied to the account will stop working once it closes.
- The account closes when ready when you submit the request, and Chase will not reopen it.
- If you have pending transactions, wait for them to clear before closing, or they may be rejected.
Closing a Chase checking or savings account through the app
Open the Chase mobile app and log in with your username and password. Tap the account you want to close — it must be a personal checking or savings account. Scroll down and look for a settings or menu icon, usually three dots or lines in the corner of the account tile. Tap it and select "Close Account" or similar language.
Chase will show you a confirmation screen listing the account number and current balance. The balance must be zero. If it is not, go back and transfer the remaining funds to another account. Once the balance is confirmed as zero, tap the button to confirm closure. The account closes when ready and you will see a confirmation message.
Keep the confirmation number or screenshot for your records. Chase will send a confirmation email to the address on file within a few minutes. If you do not see the email within an hour, check your spam folder or log into your Chase account online to verify the closure went through.
Closing a Chase account through the website
Go to chase.com and log in. Click on the account you want to close from your account list. Look for a settings menu — this is often a gear icon or three-dot menu near the account name. Select "Close Account" from the dropdown.
Chase will display the account details and ask you to confirm the balance is zero. If there is money in the account, you cannot proceed. Close this window, transfer the funds, and start again. Once you confirm the balance is zero, click the final confirmation button. The account closes when ready.
You will see a confirmation message on screen and receive an email confirmation within minutes. Write down the confirmation number or take a screenshot. If you need proof of closure later — for tax purposes or to show another bank — you can refer to this confirmation or log back in to see the closed account listed in your account history.
What to do before closing: the checklist
Before you submit the closure request, verify that no automatic payments are set to withdraw from this account. Log into the account and check the "Transfers" or "Bill Pay" section. If you see recurring payments, either cancel them or change them to a different account. Payments that try to process after closure will be rejected, and the merchant may charge you a fee.
Check whether you have direct deposit set to this account. If your paycheck or benefits deposit here, change the deposit account in your employer's or benefits program's system before closing. Once the account is gone, deposits will fail and you may not receive your money on time.
Make sure you have a zero balance. Transfer any remaining funds to another bank account — yours or someone else's. Chase will not close an account with a balance. If the account is overdrawn (you owe money), you must pay the negative balance before closure. Once you close the account, Chase can still pursue collection, but you will have no way to dispute charges or see transaction history.
If you have a debit card linked to this account, it will stop working after closure. Destroy the card or wait for it to expire. You do not need to call Chase to deactivate it separately.
Account types you cannot close online
Chase credit cards must be closed by phone. Call the number on the back of your card or contact Chase customer service at 1-800-935-9935. Have your account number ready. The representative will confirm your identity and process the closure. Credit card closure is when ready, but the account may remain visible on your credit report for up to ten years.
Business accounts, including business checking and business savings, cannot be closed online. You must visit a Chase branch in person or call the business banking line. The number varies by region — check your statement or the Chase website for your local business banking phone number.
Investment accounts, including brokerage and retirement accounts held at Chase, require a phone call or in-person visit. If you have stocks or mutual funds in the account, you may need to liquidate them first, depending on the account type. Call 1-800-935-9935 and ask to speak with an investment specialist.
What happens after you close the account
The account closes the same day you request it. You will no longer see it in your active accounts list, though it may appear in your account history for reference. Any checks you wrote against this account will bounce if they have not cleared yet. If you wrote checks before closure, contact the recipients and let them know the account is closed so they can return the checks or you can issue new ones from a different account.
Chase will not charge you a fee to close the account. However, if the account is overdrawn or has unpaid fees, you must settle those before closure. Once closed, you cannot reopen it — you would have to open a new account.
If you need a record of transactions from the closed account for tax or legal purposes, read your statements before closing. Once the account is closed, accessing old statements becomes more difficult, though Chase can usually provide them if you request them within a reasonable time frame.
If the closure does not go through
The most common reason closure fails is a non-zero balance. Go back to the account, check the balance again, and transfer any remaining funds. Sometimes a pending transaction or hold can make the balance appear non-zero even if you think you transferred everything. Wait a day for pending transactions to clear, then try again.
If the app or website shows an error message, try closing the app completely and logging back in, or try the other method (app instead of website, or vice versa). If the error persists, call Chase customer service at 1-800-935-9935. A representative can close the account over the phone if the online method is not working.
If you see the account still listed after closure, refresh your app or browser and log out completely, then log back in. Sometimes the display does not update when ready. If it still appears after 24 hours, contact Chase to confirm the closure was processed.
Frequently Asked Questions
Can I close a Chase account if I have a pending direct deposit?
You can close the account, but the direct deposit will fail. Before closing, change your direct deposit to a different account in your employer's or benefits program's system. If you close first and then try to redirect the deposit, you may miss a payment cycle.
What happens to my debit card when I close the account?
The debit card stops working when ready. You do not need to call Chase to deactivate it separately. Destroy the card or let it expire naturally. If you have pending transactions on the card, wait for them to clear before closing the account.
Can I reopen a Chase account I just closed?
No. Once you close an account, Chase will not reopen it. You would have to open a new account. If you closed by mistake, call Chase right away — they may be able to reverse the closure within a short window, but this is not may provide.
Do I need to close my account in person, or can I really do it online?
For personal checking and savings accounts, you can close entirely online through the app or website. You do not need to visit a branch or call. Credit cards, business accounts, and investment accounts require a phone call or branch visit.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score — these accounts do not appear on your credit report. Closing a credit card can affect your score because it reduces your available credit, but the impact is usually temporary.