The fastest way to close your Chase account

You can close a Chase checking or savings account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app or website. The phone route is usually fastest — you'll reach someone who can walk you through it in one call and confirm the closure is complete. If you go to a branch, bring a photo ID and any debit cards you want to cancel at the same time.

Before you close, make sure your account balance is zero. If you have money in the account, Chase will send it to you by check or transfer it to another account you name. If you have pending transactions or automatic payments set up, those may still process after closure, which can create problems — so cancel subscriptions and bill payments a few days before you close.

Chase does not charge a fee to close an account. The process itself takes a few minutes, but it can take up to 10 business days for the closure to fully process in their system.

Key Takeaways

  • Call Chase customer service, visit a branch with your ID, or use the mobile app to close your account — phone is usually the fastest option.
  • Empty your account balance before closing, and cancel any automatic payments or subscriptions linked to the account a few days beforehand.
  • Chase will send remaining funds by check or transfer them to another account you provide during the closure process.
  • Closure takes a few minutes to complete, but the account may take up to 10 business days to fully close in Chase's system.
  • There is no fee to close a Chase account, and you can close it even if you have an outstanding balance on a credit card with Chase.

Closing your account by phone

Call Chase customer service at the number on the back of your debit card or on your account statement. Have your account number and a photo ID ready. Tell the representative you want to close your account.

The representative will ask you a few questions: whether you want any remaining balance sent by check or transferred elsewhere, whether you have any pending transactions, and whether you want to cancel your debit card. Answer honestly about pending transactions — if you're not sure, ask the representative to check for you. They can see what's scheduled to hit your account.

Once you confirm the details, the representative will process the closure and give you a confirmation number. Write it down. The account will be marked for closure when ready, but it may take several business days to fully close.

Closing your account at a Chase branch

Walk into any Chase branch with your photo ID and ask to close your account. Bring any debit cards you want to cancel. The banker will pull up your account, confirm your balance, and ask the same questions the phone representative would: where you want remaining funds sent, whether you have pending transactions, and whether you want the debit card canceled.

The banker will print a receipt with a confirmation number. Keep it. The account closes when ready in the branch system, but again, it takes several business days to fully process.

If you have a large balance or a complicated account, the banker might ask you to come back after a few days or to call customer service instead. This is rare, but it happens when there are holds on the account or other issues the branch cannot resolve on the spot.

Closing your account through the Chase app or website

Log into your Chase account on the mobile app or at chase.com. Look for "Account Services" or "Settings" — the exact location varies depending on whether you're using the app or the website. Select the account you want to close and look for an option that says "Close Account" or "Account Closure."

The app or website will ask you to confirm your balance and where you want remaining funds sent. You'll need to choose between a check or a transfer to another account. If you choose a transfer, you'll enter the routing number and account number of the bank where you want the money to go.

After you confirm, you'll get a confirmation number on screen. Take a screenshot or write it down. The closure request goes into the queue, and Chase will process it within a few business days. If anything is unclear or if the system won't let you complete the closure, call customer service — some account types or situations require a phone call or branch visit.

What happens to your debit card and automatic payments

Your debit card stops working when ready once the account is closed, even if the card itself hasn't expired. If you have automatic payments or subscriptions tied to this account — like a gym membership, streaming service, or utility bill — those will fail when they try to process. This can result in late fees or service interruptions, so cancel them before you close the account.

To cancel automatic payments, log into each service's website or app and remove the payment method. Or call the company directly and ask them to stop charging the card. Do this at least a few days before you close the account to make sure the cancellation goes through.

If you forget and a payment tries to process after closure, the company will get a rejection from Chase. Contact the company when ready to update your payment method or arrange an alternative way to pay.

What to do with remaining money in the account

Chase will not close your account if there is money in it. During the closure process, you must tell Chase what to do with the balance. Your options are a check mailed to your address on file, or a transfer to another bank account.

If you choose a check, it usually arrives within 5 to 10 business days. The check will be mailed to the address Chase has for you, so make sure it's current. If you've moved recently, update your address before you close the account.

If you choose a transfer, you'll need the routing number and account number of the bank where you want the money to go. You can transfer to another Chase account or to a completely different bank. The transfer usually completes within 3 to 5 business days.

Closing a joint account

If the account is held jointly with another person, both of you may need to be present or to consent to the closure. Call Chase to ask about the rules for your specific account — some joint accounts can be closed by either owner, while others require both owners to agree.

If you're closing a joint account and the other owner wants to keep it open, you cannot close it unilaterally. You would need to remove yourself from the account instead, which is a different process. Ask Chase whether you can be removed as an owner while the other person keeps the account active.

Frequently Asked Questions

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score because those accounts don't appear on your credit report. However, if you close a Chase credit card account, that can have a small impact on your credit score because it reduces your total available credit. Closing a debit account has no credit impact.

What if I have a negative balance or owe Chase money?

If your account is overdrawn, Chase will not close it until the balance is paid. You'll need to deposit money to bring the account to zero before closure can happen. If you owe money on a separate Chase credit card, that does not prevent you from closing a checking or savings account — those are different products.

Can I reopen a closed Chase account?

Once an account is fully closed, you cannot reopen it. If you change your mind, you would need to open a new account. However, there is usually a waiting period — Chase may require you to wait 30 days or more before opening a new account if you just closed one. Call customer service to ask about the waiting period for your situation.

How long does it take for a Chase account to fully close?

The closure is marked in the system when ready when you close it, but it can take up to 10 business days for the account to fully disappear from your profile. During this time, you may still see it in your account list, but you cannot use it. After 10 business days, it should no longer appear.

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

If a charge appears after closure, contact the company that charged you when ready — they may not have received the closure notification yet. Also call Chase customer service to report the charge. If the account is already closed, Chase may be able to reverse the charge or help you dispute it, depending on how long ago the closure happened.