You can close most Chase accounts through their website or mobile app, but the method depends on the account type
Chase lets you close checking and savings accounts online through their website or mobile app without calling or visiting a branch. The process takes a few minutes, but you need to handle a few things first — mainly making sure your account balance is zero and setting up where remaining funds should go. Some account types, like business accounts or accounts with outstanding issues, may require a phone call instead.
The steps are straightforward once you know what to expect. This guide walks you through the online process, what to do before you start, and what happens after you submit the request.
Key Takeaways
- Chase lets you close checking and savings accounts online through their website or mobile app, but your account balance must be zero first.
- You should transfer or withdraw any remaining money before closing, and set up direct deposit redirection if paychecks go to that account.
- The online closure process takes about five minutes and generates a confirmation number you should save.
- After closure, keep your account statements for at least a few months in case you need proof the account is closed.
- Business accounts and accounts with pending transactions or fraud holds typically require you to call Chase instead of closing online.
What to do before you close your account
Before you start the closure process, your Chase account balance must be exactly zero. If you have money in the account, transfer it to another bank account you own, or withdraw it at a Chase ATM or branch. If the account is overdrawn (you owe Chase money), you must pay that balance first.
Check whether any automatic payments or recurring charges are still linked to this account. Look at your recent statements or log into your account and review the last few transactions. If you see subscriptions, insurance payments, or bill payments coming from this account, change those to a different account or payment method before closing. Chase will reject the closure request if active automatic payments are still attached.
If your paycheck or government benefits deposit into this account, update your direct deposit information with your employer or the benefits office before closing. Once the account closes, deposits will bounce back and you may lose a payment. You can usually change direct deposit online through your employer's payroll system or by calling your benefits provider.
How to close your account through the Chase website
Log into your Chase account at chase.com using your username and password. Once you are logged in, look for "Account Services" or "Settings" — the exact location varies depending on whether you are using the classic website or the newer Chase interface, but both have a settings or account management section.
Find the account you want to close and look for an option that says "Close Account" or "Account Options." Click it. Chase will show you a confirmation screen that lists the account number and account type. Review this carefully to make sure you are closing the right account — this step prevents you from accidentally closing an account you meant to keep.
Chase will ask you to confirm that your balance is zero and that you have no pending transactions. Check the boxes to confirm, then submit. You will receive a confirmation number on screen — write this down or take a screenshot. Chase will also send a confirmation email to the address on file. Keep both for your records.
How to close your account through the Chase mobile app
Open the Chase mobile app and log in. Tap the account you want to close to open its details page. Look for a menu icon (usually three horizontal lines or three dots) in the upper right corner of the screen and tap it.
Scroll down to find "Close Account" or "Account Options." Tap it. The app will show you the account number and ask you to confirm that your balance is zero and there are no pending transactions. Check the confirmation boxes and submit your request.
The app will display a confirmation number. Take a screenshot or write it down. You will also receive a confirmation email. Both serve as proof that you requested closure, so keep them until you receive a final confirmation that the account is closed.
What happens after you submit your closure request
Chase typically closes the account within one to three business days after you submit your request online. You will receive an email confirmation once the closure is complete. The email will include the final account status and the date the account was closed.
After closure, you can no longer use the debit card, checks, or online access for that account. If you have checks that were printed for this account, they will be rejected if anyone tries to cash them. Destroy any remaining checks or debit cards to prevent accidental use.
Keep your account statements and the closure confirmation email for at least three to six months. If you need proof later that the account is closed — for a loan process, a dispute, or tax purposes — you will have documentation. After six months, you can usually delete the emails and statements unless you have a specific reason to keep them longer.
When you cannot close your account online
Chase requires you to call or visit a branch to close certain accounts. Business accounts, accounts with pending fraud investigations, accounts with outstanding balances or fees, and accounts with active disputes cannot be closed through the website or app. If you try to close one of these accounts online, Chase will either block the request or direct you to call.
If you see a message saying your account cannot be closed online, call Chase at the number on the back of your debit card or on your statement. Have your account number ready. A representative will walk you through the closure process over the phone and can address any holds or issues preventing online closure.
Some older accounts or accounts that have been inactive for a long time may also require a phone call. This is rare, but if the online option does not appear for your account, a phone call is the next step.
What to do if you need to reopen a closed account
If you close your account and then change your mind within a short window, you may be able to reopen it. Chase generally allows you to reopen a closed account within 30 days if the account was in good standing. Call Chase at the number on your statement or visit a branch to request reopening.
After 30 days, reopening becomes much harder. Chase may treat a request to reopen as a new account process, which means a new background check and a new account number. If you think you might need the account again soon, wait a few days before closing to make sure you are ready.
Frequently Asked Questions
What if I have a small balance left in the account?
You must bring the balance to zero before closing. Withdraw the remaining money at an ATM or transfer it to another account. If the balance is less than a dollar, call Chase — they can sometimes close the account and mail you a check for the remaining amount, though this varies by situation.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because these accounts do not appear on your credit report. However, if the account has an outstanding balance or unpaid fees, that could be reported and affect your score. Pay any outstanding balance before closing.
Can I close my account if I have a pending direct deposit?
You should update your direct deposit information before closing. If a deposit arrives after the account closes, it will be returned to your employer or benefits provider. You will then need to resubmit it to your new account, which can delay payment by one to two weeks.
Do I need to destroy my debit card before closing the account?
You should destroy any debit cards or checks associated with the account after it closes, but it is not required for the closure itself. Once the account is closed, the card will not work anyway. Destroying it prevents accidental use or fraud if the card is lost or stolen.
How long does it take to close a Chase account?
Online closure requests typically process within one to three business days. You will receive an email confirmation once complete. If you close on a Friday or before a holiday, it may take longer because of the weekend or holiday delay.