You can close most Chase accounts online through your account settings, but some account types require a phone call or branch visit
Chase lets you close checking and savings accounts through their website or mobile app without visiting a branch. The process takes a few minutes: you log in, find the account closure option in settings, confirm you want to close it, and choose where remaining funds should go. However, if you have a business account, a credit card, or an account with an outstanding balance, you'll need to call Chase or go to a branch instead.
Before you close anything, make sure your account balance is zero or that you're ready to move that money elsewhere. Chase won't close an account with money still in it — they'll either hold the funds or send you a check, depending on the account type. If you have automatic payments or direct deposits linked to the account, change those first so they don't bounce.
Key Takeaways
- Checking and savings accounts can be closed online through Chase's website or mobile app, but business accounts and credit cards require a phone call or branch visit.
- Your account balance must be zero before closure, so transfer or withdraw remaining funds first.
- Change any automatic payments or direct deposits linked to the account before closing it.
- After closure, keep your account statements for at least a year in case you need proof the account is closed.
- If you're closing the account because of a problem, contact Chase customer service first — they may be able to fix the issue.
Steps to close a personal checking or savings account online
Log into your Chase account on chase.com or the Chase mobile app. Go to your account settings — this is usually found in a menu labeled "Settings," "Profile," or a gear icon. Look for an option that says "Close Account" or "Account Services." Select the account you want to close from the list of your accounts.
Chase will ask you to confirm that you want to close the account and may ask why. You don't have to give a reason, but if there's a specific problem, telling them can help. Choose what you want to do with any remaining balance — Chase will either mail you a check or transfer the funds to another account you own. Review the information one more time and confirm the closure.
You should receive a confirmation email within a few minutes. The account will close within one to three business days. After it closes, you won't be able to use the debit card, and any pending transactions may be rejected.
What to do before you close your account
Check your account balance and make sure it's zero. If there's money in the account, transfer it to another bank account you own or withdraw it in cash at a Chase branch or ATM. Chase won't close an account with a balance, so this step is essential.
Look for any automatic payments or recurring charges linked to the account — subscriptions, insurance payments, loan payments, or bill pay transfers. Log into each service and change the payment method to a different account or card. This prevents payments from failing after the account closes. If you miss this step, rejected payments can hurt your credit or result in late fees.
Check whether you have direct deposit set up. If your paycheck or benefits go into this account, update your employer or benefits provider with a new account number before closing. Deposits to a closed account will be returned to the sender, and it can take weeks to reroute them.
When you need to call Chase instead of closing online
Some account types cannot be closed through the website. If you have a Chase business checking or savings account, you must call Chase at the business banking number or visit a branch. The same applies if you have a Chase credit card — credit cards are closed differently than deposit accounts and require a phone call to Chase's credit card customer service line.
If your account has an outstanding balance, overdraft, or pending dispute, Chase may not let you close it online. In these cases, you'll need to speak to a representative who can resolve the issue first. If you're closing because of fraud or an error on your account, calling customer service is faster — they can investigate while processing your closure request.
To reach Chase by phone, call the number on the back of your debit card or check. Have your account number and Social Security number ready. Wait times are usually shorter early in the morning on weekdays.
What happens after your account closes
Once closed, the account number is deactivated and cannot be used. Any checks you wrote from that account will bounce if they haven't cleared yet. If you have checks still in circulation, contact Chase to stop payment on them before closing the account.
Chase will send you a final statement showing the closure date. Keep this statement for at least one year — you may need it as proof that the account is closed if a company tries to charge it or if there's a dispute about a transaction. If you requested a check for your remaining balance, it will arrive within five to seven business days.
Your credit report will show the account as closed. This doesn't hurt your credit score, but it does show that the account is no longer active. If you plan to open a new Chase account later, you can do so when ready — closing one account doesn't prevent you from opening another.
Reasons to contact Chase before closing
If you're closing because of poor customer service, high fees, or a specific problem, call Chase first. They may be able to waive fees, move you to a different account type with better terms, or fix whatever issue you're experiencing. Many people close accounts unnecessarily when a quick call could solve the problem.
If you've had the account for a long time and use it for important services, closing it can create complications. For example, if your mortgage, car loan, or insurance is tied to automatic payments from this account, closing it without updating those services will cause payments to fail. A Chase representative can help you plan the closure so nothing gets disrupted.
If you're closing because you suspect fraud or unauthorized activity, don't close the account online — call customer service instead. They can freeze the account, investigate the activity, and help you open a new account with fraud protection in place.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account at any time after closing one. However, if the account was closed due to fraud, unpaid fees, or violation of Chase's terms, you may not be able to open a new account with Chase for a period of time. Contact Chase to ask whether you're may be able to access to open a new account.
What if I have a pending deposit or check that hasn't cleared?
Pending transactions may still process after you close the account. If a check or deposit clears after closure, Chase will either return it or hold the funds. Contact Chase after closure to ask what happened to any pending items. This is why it's important to keep your final statement.
Do I need to destroy my debit card after closing the account?
You don't have to, but it's a good idea to cut it up or shred it so it can't be used by mistake. The card will stop working when ready after the account closes, but destroying it removes any chance of confusion later.
Will closing my account affect my credit score?
Closing a bank account does not affect your credit score. Bank accounts don't appear on your credit report — only credit accounts like credit cards and loans do. Your credit score will not change because you closed a checking or savings account.
What if Chase won't let me close my account online?
If the closure option doesn't appear in your account settings, the account may have a balance, an outstanding issue, or be a type that requires phone closure. Call Chase at the number on your debit card or statement. A representative can tell you what's preventing online closure and help you close it over the phone.