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 lets you close most checking and savings accounts through their customer service line at 1-800-935-9935, by visiting a branch in person, or through the Chase mobile app or website. The process itself takes minutes, but you need to handle a few things first: move your money out, set up direct deposits elsewhere if you have them, and make sure you have no pending transactions or outstanding balances. If you have a credit card, mortgage, or investment account with Chase, those close through different channels and sometimes take longer.
The timing matters. If you close an account while checks are still clearing or while a direct deposit is scheduled to hit, that money may bounce or get rejected. Chase will not hold the account open waiting for it, so you need to coordinate the closure with your payroll or any automatic payments you receive.
Key Takeaways
- Move all your money out of the account before you close it, and confirm there are no pending transactions or outstanding fees.
- Update your direct deposit information with your employer or benefits provider at least a week before closing the account.
- Call Chase at 1-800-935-9935, visit a branch, or use the mobile app to close a checking or savings account; credit cards and loans close through different processes.
- Chase will not reopen a closed account, so make sure you have copies of any statements or records you need before the closure is final.
- If you have a negative balance or outstanding fees, Chase may hold the account open until those are resolved.
What to do before you call or visit
Empty the account completely. Transfer or withdraw all remaining funds. Chase will not close an account with a balance in it, and if you leave money behind, it may be subject to dormancy fees or escheat laws that send it to your state after a period of inactivity.
Check for pending transactions. Look at your recent activity in the Chase app or online banking and make sure nothing is still processing. Debit card charges, checks you wrote, or ACH transfers that have not yet cleared can cause problems if the account closes while they are in flight. Wait until those clear, or contact the merchant or payee to cancel them.
Redirect your direct deposits. If your paycheck, Social Security, tax refund, or other regular deposits go to this Chase account, you must update that information with the source before you close the account. Contact your employer's payroll department, the Social Security Administration, the IRS, or whoever sends the deposit, and provide them with your new bank details. Do this at least seven to ten days before you plan to close the account.
Cancel or redirect automatic payments. If you have bills set to auto-pay from this account—utilities, insurance, subscriptions, loan payments—change those to your new bank account or payment method now. Payments that try to process after the account is closed will be rejected and may trigger late fees or service interruptions.
Closing through the Chase mobile app or website
Log into the Chase mobile app or go to chase.com and sign in. Not all account types can be closed online; checking and savings accounts usually can be, but money market accounts, CDs, and credit cards cannot. If you do not see a close account option, you will need to call or visit a branch.
Find the account you want to close in the app or under your accounts list on the website. Look for a menu or settings option—this is usually represented by three dots or a gear icon next to the account name. Select "Close Account" or "Account Settings" and follow the prompts. Chase will ask you to confirm that the account balance is zero and that you understand the account cannot be reopened once closed.
You will receive a confirmation number and an email confirming the closure. Keep this for your records. The account will close when ready, though it may take a few days for it to stop appearing in your account list.
Closing 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 ready. The representative will confirm that your balance is zero, ask why you are closing (this is optional to answer), and walk you through the closure. They will give you a confirmation number.
Ask the representative to confirm the closure date and whether any pending transactions are still processing. If there are, ask when they expect to clear. Do not hang up until you have the confirmation number and understand when the account will actually be closed.
Request a final statement if you do not already have one. Chase will mail it to the address on file, or you can read statements from the app or website before you close the account. Keep these for your tax records and in case you need to reference transactions later.
Closing in person at a Chase branch
Visit any Chase branch with a valid ID and your debit card or account number. Tell the teller you want to close the account. They will verify that your balance is zero and ask you to sign a form confirming the closure. This usually takes five to ten minutes.
Ask for a written confirmation of the closure and a final statement. The teller will give you a receipt. Keep this receipt and any paperwork they provide.
Closing credit cards, mortgages, and investment accounts
Credit cards do not close the same way as checking accounts. You can close a Chase credit card by calling the number on the back of the card or by logging into your credit card account online and requesting closure. Before you close, pay off any remaining balance. Closing a card with an outstanding balance will not forgive the debt—you will still owe it, and Chase will continue to charge interest until it is paid.
Mortgages and home equity lines of credit cannot be closed through customer service; you must pay off the loan in full. Contact your loan servicer to request a payoff quote, which tells you the exact amount needed to close the loan on a specific date. Once you pay that amount, the loan closes and the lien on your property is released.
Chase investment accounts, brokerage accounts, and retirement accounts (IRAs, 401(k)s) have their own closure procedures. Call the number on your statement or log into your investment account to find the closure option. Some require you to liquidate all holdings first; others allow you to transfer the account to another institution.
What happens after you close the account
The account closes when ready when you complete the process, though it may take one to three business days to stop appearing in your online banking. You will not be able to reopen it—Chase does not reopen closed accounts, even if you change your mind the next day. If you need banking services again, you will have to open a new account.
Any checks you wrote from this account will bounce if they have not cleared yet. If you wrote checks before closing, contact the payees and let them know the account is closed so they can work with you on an alternative payment method.
If Chase owes you money—for example, a pending refund or a credit on the account—contact them to find out how they will send it. They may mail a check to your address on file or deposit it into another account you provide.
Frequently Asked Questions
Can I reopen a Chase account I just closed?
No. Chase does not reopen closed accounts. If you need banking services again, you will have to open a new account. This means you will get a new account number and routing number, so you will need to update direct deposits and automatic payments again.
What if I still owe Chase money when I try to close?
Chase will not close the account until the balance is zero. If you have overdraft fees, monthly maintenance fees, or other charges, you must pay those first. If you dispute a fee, resolve that with Chase before attempting to close.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because those accounts do not appear on your credit report. Closing a credit card can affect your score because it reduces your available credit, but the impact is usually temporary and smaller than carrying high balances.
How long does it take for a closed Chase account to stop showing up online?
Usually one to three business days. The account closes when ready, but it may remain visible in your account list briefly while Chase's systems update. If it still appears after a week, call customer service to confirm the closure went through.
What if a direct deposit tries to hit my closed Chase account?
The deposit will be rejected and returned to the sender. Your employer or benefits provider will get a notice that the account is closed. This is why you must update your direct deposit information before closing the account. If a deposit was rejected, contact the sender to resubmit it to your new account.