You can close a Chase account by phone, in person, or online, but the method depends on the account type and whether you have outstanding balances
Chase offers three ways to close an account: calling their customer service line, visiting a branch in person, or using their online banking portal for certain account types. The fastest route is usually a phone call to the number on the back of your debit card or in your Chase app, where a representative can walk you through the process and answer questions about what happens to your remaining balance. In-person closure at a branch takes longer but gives you a chance to ask about transferring funds or settling any fees before the account closes.
Before you close, you need to know your account balance, whether you have any pending transactions or automatic payments linked to the account, and whether Chase is holding any funds for uncashed checks or pending deposits. If you have a negative balance—meaning you owe Chase money—you must settle that before closure. Chase will not close an account with an outstanding balance without payment.
Key Takeaways
- Call the number on your debit card or in the Chase app to close most accounts; this is faster than visiting a branch and creates a record of your request.
- You must have a zero or positive balance before Chase will close your account; if you owe money, you must pay it first.
- Stop any automatic payments or recurring charges linked to the account before closure, or they may be rejected and trigger overdraft fees.
- Chase will mail you a confirmation letter within 7 to 10 business days; keep this for your records in case disputes arise later.
- If you have a safety deposit box, credit card, or investment account with Chase, those close separately and require their own requests.
What to do before you call or visit
Gather three pieces of information before you contact Chase: your account number (on your debit card or in the app), your current balance, and a list of any automatic payments or recurring charges tied to the account. This includes subscription services, gym memberships, insurance payments, or salary deposits. If you have direct deposit set up, you will need to update that with your new bank before closing, or your paycheck will be rejected.
Transfer any remaining balance to another account if you want to keep the money. You can do this through an external transfer in the Chase app, by writing a check to yourself, or by visiting a branch and asking a teller to move the funds. If you leave money in the account when it closes, Chase will mail you a check, which can take 7 to 14 days to arrive.
Pay off any negative balance when ready. If your account is overdrawn, Chase will not process the closure request until the debt is settled. You can pay online through the app, by phone, or in person at a branch.
Closing by phone
Call the customer service number on the back of your debit card or in the Chase mobile app. Have your account number and Social Security number ready. Tell the representative you want to close the account and confirm the account type (checking, savings, money market, and so on).
The representative will verify your identity, review your balance, and ask whether you want to transfer any remaining funds to another Chase account or receive a check. They will also confirm that you have no pending transactions or automatic payments. If you do, they may ask you to cancel those first or may proceed with closure anyway—policies vary by account type.
Once you confirm, the account closes when ready. The representative will give you a confirmation number; write it down. Chase will mail a written confirmation letter within 7 to 10 business days. If you do not receive it, call back and reference your confirmation number.
Closing in person at a Chase branch
Bring your debit card and a government-issued photo ID to any Chase branch. Tell the teller you want to close the account. They will pull up your account, review the balance, and ask the same questions a phone representative would: whether you have pending transactions, automatic payments, or direct deposits linked to the account.
If your balance is positive, the teller can give you the money in cash, a cashier's check, or transfer it to another account on the spot. If your balance is zero or negative, the teller will process the closure. You will receive a receipt; ask for a written confirmation as well, since the receipt alone may not be enough if a dispute arises later.
In-person closure usually takes 10 to 15 minutes if there are no complications. If you have a safety deposit box, credit card, or other products with Chase, those must be closed separately—the teller can direct you to the right department or tell you how to close them by phone.
Closing through the Chase app or website
Chase allows online closure for some checking and savings accounts through their mobile app or website, but not all account types are may be able to access. Money market accounts, CDs, and accounts with outstanding balances typically cannot be closed online.
If your account is may be able to access, log into the Chase app or website, go to Settings or Account Services, and look for a "Close Account" or "Manage Account" option. The system will walk you through a series of questions about your balance and pending transactions. If everything clears, the account will close within one business day.
Online closure does not always generate a confirmation letter when ready. After closing, check your email for a confirmation message. If you do not receive one within 24 hours, call customer service to confirm the closure went through and request a written confirmation letter.
What happens to your money and pending transactions
Any positive balance remaining in your account will be handled according to your instructions. If you told Chase to transfer it to another account, the transfer happens within one to two business days. If you asked for a check, Chase mails it to the address on file; this takes 7 to 14 days. If you did not specify and the account closes with a balance, Chase will mail a check automatically.
Pending transactions—charges that have been authorized but not yet cleared—may still post after the account closes. If a transaction posts after closure, Chase will attempt to collect from the closed account, which usually results in a returned payment and a fee to the merchant. This is why you should cancel automatic payments before closure or update them with your new bank.
If you have a pending direct deposit scheduled to hit the account after it closes, that deposit will be rejected and returned to your employer. Update your direct deposit information with your employer or new bank before the account closes.
What to do if you have other Chase products
Closing a checking or savings account does not automatically close a Chase credit card, safety deposit box, investment account, or line of credit. Each product must be closed separately.
For a Chase credit card, call the number on the back of the card and ask to close it. Pay off any balance first. For a safety deposit box, visit your branch and speak to an officer; you will need to empty the box and return the key. For investment or brokerage accounts, contact Chase Investments directly or visit a branch. For a home equity line of credit or other loan product, call the loan servicer number on your statement.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, but Chase may require you to wait 30 days before opening a new account with the same Social Security number. If you closed due to a dispute or negative balance, Chase may require longer. Call customer service to ask about the waiting period for your specific situation.
What if Chase says I have a negative balance and won't close my account?
You must pay the negative balance before closure. Pay online through the app, by phone, or in person at a branch. Once the balance is zero, call back to close the account. If you dispute the balance, ask to speak to a supervisor and request an account statement showing the charges.
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 may lower your score slightly because it reduces your total available credit, but the impact is usually small and temporary. Closing a home equity line of credit or loan may have a larger effect; ask Chase before closing.
How long does it take for a closed Chase account to stop showing up in my app?
The account usually disappears from your app within one to two business days after closure. If it remains visible after a week, log out and log back in, or uninstall and reinstall the app. If it still shows, call customer service to confirm the closure was processed.
What if I closed my account and a payment still tried to go through?
The payment will be rejected and returned to the merchant. You may see a returned payment fee from the merchant, not from Chase. Contact the merchant to update your payment method or cancel the subscription. If the merchant charges you a fee for the returned payment, ask them to waive it and explain that the account was closed.