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

Chase lets you close most checking and savings accounts through their customer service line at 1-800-935-9935, at any Chase branch in person, or through the Chase mobile app or website. Before you close, you need to withdraw or transfer any remaining balance, pay off any outstanding fees or overdrafts, and make sure no automatic payments or direct deposits are still linked to the account. The process itself takes minutes, but Chase may take 5 to 10 business days to fully process the closure and return any remaining funds.

If you have a credit card instead of a deposit account, closing works differently — you'll need to pay off the full balance first, then call the number on the back of your card or use the Chase website to request closure. For investment or brokerage accounts held at Chase, you'll need to contact their investment services team separately.

Key Takeaways

  • You must have a zero balance and no pending transactions before Chase will close your account.
  • Phone closure is fastest for most people: call 1-800-935-9935 and have your account number and ID ready.
  • Chase takes 5 to 10 business days to process the closure after you request it, even if you closed in person or online.
  • Any remaining balance will be mailed to you as a check unless you arrange a transfer to another bank account first.
  • Closing a credit card account may affect your credit score because it reduces your available credit and changes your credit history length.

Prepare your account before requesting closure

The first step is to empty the account completely. Withdraw all remaining funds or transfer them to another bank account you control. If you have direct deposits coming in, log into your Chase account or call your employer's payroll department to redirect future paychecks to a different account. If you have automatic bill payments or recurring transfers set up, cancel those through Chase or through the companies you pay — Chase will not process the closure if active payments are still attached.

Check your account for any outstanding fees, overdraft charges, or negative balances. If your account is overdrawn, you must cover that amount before closure. Log into your Chase account online or call 1-800-935-9935 to review your recent transactions and confirm the balance is truly zero. Some fees take a few days to post, so wait at least one business day after your last transaction before requesting closure.

Close by phone with Chase customer service

Call 1-800-935-9935 and tell the representative you want to close your account. Have your account number, routing number, and a government-issued ID ready — the representative will verify your identity before proceeding. They will confirm your balance is zero, ask why you're closing (this is optional to answer), and process the request when ready. The representative will give you a confirmation number; write it down.

Ask the representative what happens to any remaining balance. If there is money left, Chase will mail a check to the address on file within 5 to 10 business days unless you arrange a direct transfer to another bank account during the call. If you want the funds sent to a different address, provide that now. The account will be marked for closure, but it may take several days for Chase's system to fully process it.

Close in person at a Chase branch

Visit any Chase branch with your government-issued ID and ask to close your account. Bring your debit card if you have one. The branch employee will verify your identity, confirm your balance is zero, and submit the closure request. This works the same way as a phone closure — the branch cannot when ready close the account, but they will start the process and give you a confirmation number.

In-person closure is useful if you want to withdraw cash on the spot rather than waiting for a check, or if you prefer to handle it face-to-face. However, the processing time remains 5 to 10 business days after the request is submitted. If you have questions about what happens to your funds or need to set up a transfer to another bank, the branch employee can help you arrange that before you leave.

Close through the Chase app or website

Log into your Chase account on the website or mobile app, go to your account settings, and look for an option to close the account. Not all account types can be closed online — if you don't see a closure option, you'll need to call or visit a branch. If the option is available, Chase will walk you through confirming your balance is zero and ask where you want any remaining funds sent.

Online closure is the fastest method if it's available for your account type, because you can do it anytime without waiting for phone lines or branch hours. However, Chase still takes 5 to 10 business days to fully process the closure after you submit the request online. Keep your confirmation number and check your account for the next week or two to make sure the closure went through.

What happens to your money after closure

If your account has a positive balance when you close it, Chase will mail a check to the address on file within 5 to 10 business days. The check will be drawn on a Chase account and should be deposited or cashed at any bank. If you want the money sent to a different address or transferred directly to another bank account, tell the representative or branch employee before you submit the closure request — you can usually arrange this during the closure call or visit.

If your account is overdrawn or has outstanding fees, you must pay that amount before closure. Chase will not close an account with a negative balance. If you owe money and don't pay it, Chase may send the debt to a collection agency or pursue other recovery methods, and the account will remain open until the debt is resolved.

Closing a Chase credit card is different from closing a deposit account

If you're closing a credit card, you must pay off the entire balance first. You cannot close a credit card with an outstanding balance. Once the balance is zero, call the number on the back of your card or log into your Chase credit card account online and request closure. Chase will confirm the balance is paid and process the closure request when ready.

Closing a credit card may lower your credit score because it reduces your total available credit and may shorten your average account age if it's one of your older cards. The account will remain on your credit report for up to 10 years after closure, which is normal. If you're concerned about the impact on your credit, consider keeping the card open but unused instead of closing it.

Timeline and what to expect after you request closure

The closure request itself takes minutes — either a phone call, a branch visit, or a few clicks online. However, Chase takes 5 to 10 business days to fully process the closure after you submit the request. During this time, the account is marked for closure but may still appear in your online banking. You may still be able to log in and view transaction history, but you won't be able to make new deposits or withdrawals.

After 5 to 10 business days, the account will disappear from your Chase online banking and mobile app. If there was a remaining balance, the check should arrive within this timeframe. If you don't receive a check or see the closure confirmed after 10 business days, call 1-800-935-9935 and reference your confirmation number to check the status.

Frequently Asked Questions

Can I close my Chase account if I have pending transactions?

No. Chase will not close an account with pending transactions or automatic payments still attached. You must cancel all recurring payments and transfers first, either through Chase or through the companies you pay. Wait at least one business day after your last transaction before requesting closure to make sure everything has posted.

What if I close my account and then need to access it again?

Once Chase fully processes the closure, you cannot reopen the same account. You would need to open a new account. If you think you might need the account again soon, consider leaving it open but unused instead of closing it. If you've already closed it and need to reverse the closure, call 1-800-935-9935 when ready — Chase may be able to stop the closure if it hasn't fully processed yet.

Will closing my Chase account hurt my credit score?

Closing a deposit account (checking or savings) does not affect your credit score because banks don't report deposit accounts to credit bureaus. Closing a credit card may lower your score slightly because it reduces your available credit. The impact is usually temporary and smaller if you have other open accounts with good payment history.

What if Chase owes me money when I close the account?

If your account has a positive balance, Chase will mail a check to the address on file within 5 to 10 business days. You can also arrange a direct transfer to another bank account during the closure request. If you don't receive the check after 10 business days, call 1-800-935-9935 with your confirmation number to track it down.

Can I close a joint account if the other person doesn't want to?

No. Both account holders must agree to close a joint account. If you and the other person disagree, you have limited options — you can remove yourself from the account if Chase allows it, or you can contact Chase to discuss other solutions. Call 1-800-935-9935 to ask what options are available for your situation.