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 mobile app, website, or by calling customer service. The fastest route is usually the phone — you reach someone who can confirm your account has no pending transactions, no outstanding checks, and no negative balance, then process the closure on the spot. If you have a mortgage, investment account, or credit card with Chase, those close through different channels and sometimes require separate steps.

Before you close anything, move your money out and set up direct deposit elsewhere if you need it. Chase will not hold your funds, but the closure itself is final — you lose access to that account number, and any automatic payments tied to it will fail. Knowing what you have linked to the account before you call saves a frustrating hour on the phone later.

Key Takeaways

  • Call Chase customer service at the number on the back of your debit card or visit a branch in person to close a checking or savings account; online closure is available through the Chase app for some account types.
  • Empty the account completely and confirm there are no pending checks, automatic bill payments, or direct deposits still connected before you request closure.
  • Chase will not charge you to close an account, but the closure is permanent and you cannot reopen the same account number.
  • If you have a Chase credit card, mortgage, or investment account, you must contact the specific department for that product — closing a checking account does not close those.

Closing a Chase checking or savings account by phone

Call the customer service number on the back of your debit card or Chase statement. Have your account number and a government-issued ID ready. The representative will ask why you are closing the account — this is routine and does not affect whether they process it — and will verify that your balance is zero and no checks are outstanding.

If your account has a negative balance, you must pay it before closure. If you have pending transactions or scheduled transfers, the representative may ask you to wait until those clear. Once confirmed, they will process the closure when ready. You will receive a confirmation number; write it down. The account closes within one to three business days, though you lose access to it right away.

If you cannot reach someone or prefer not to call, most Chase branches can close an account in person. Bring your ID and debit card. The process is the same: confirm the balance is zero, process the closure, and receive a confirmation.

Closing through the Chase mobile app or website

Chase offers online account closure for some checking and savings accounts through their app and website. Log in, go to the account settings or account details section, and look for a "Close Account" or "Manage Account" option. Not all account types support online closure — if you do not see the option, you will need to call or visit a branch.

The online process asks you to confirm your balance is zero and that you understand the account will close. You will receive a confirmation number on screen and via email. Like phone closure, the account closes within one to three business days.

What to do before you close the account

Transfer all remaining money out first. Even a few cents left in the account can delay closure. Check your account for any pending transactions — scheduled bill payments, transfers, or deposits that have not yet posted. If you have automatic payments set up (utilities, insurance, loan payments), update those with your new bank account number before you close.

If you receive direct deposit, change it at your employer or benefits provider to point to your new account. Any direct deposits that arrive after closure will bounce back to the sender, and you may not receive the money. Similarly, if you have written checks that have not cleared, wait until they do or cancel them with your bank before closing.

Review your account for any linked services: online bill pay, mobile wallet, or third-party apps that pull money from the account. These will fail once the account closes. Update them with a new payment method or cancel them.

Closing a Chase credit card, mortgage, or investment account

Closing a checking or savings account does not close a credit card, mortgage, or investment account with Chase. Each product has its own closure process.

To close a Chase credit card, call the number on the back of the card or log into your account online and look for account management options. You must pay off the full balance first. Once paid, the representative will close the account. Closing a credit card does not remove it from your credit report — it stays there for seven to ten years — but it does stop new charges.

Chase mortgages and home equity lines of credit cannot be closed through customer service; you must pay off the loan in full. Once the balance reaches zero, contact Chase to request a payoff letter and final accounting. Investment accounts (brokerage, retirement) have their own closure process; contact the Chase investment services team for details.

What happens after you close the account

Your debit card stops working when ready, even though the account closure takes one to three business days to finalize. Any checks you wrote that have not yet cleared will bounce. If you have pending transactions, they may fail or post to a negative balance that Chase will pursue.

Chase keeps records of closed accounts for your protection and for regulatory reasons. If you need a statement or proof of closure later, you can request it through customer service. The account number itself cannot be reused — Chase will not assign it to another customer.

If you closed the account by mistake or want to reopen it, you cannot use the same account number. You would need to open a new account, which may require a new process and a hard inquiry on your credit report if it is a credit product.

Frequently Asked Questions

Do I have to pay a fee to close my Chase account?

No. Chase does not charge to close a checking or savings account. If your account has a negative balance, you must pay that amount, but there is no separate closure fee.

What if I have a pending check that has not cleared?

Wait until the check clears before closing the account, or contact Chase to stop payment on the check. If you close with an outstanding check, it will bounce and the payee may charge you a fee. Chase can tell you which checks are still pending when you call.

Can I reopen the same account after I close it?

No. Once closed, that account number is retired and cannot be reopened. You would need to open a new account, which is treated as a new process.

Will closing my account hurt my credit score?

Closing a checking or savings account does not affect your credit score — banks do not report deposit accounts to credit bureaus. Closing a credit card may lower your score slightly because it reduces your available credit, but the impact is usually temporary.

What if I have automatic payments set up and I forget to change them?

They will fail and bounce back to the biller. You may be charged overdraft or returned-payment fees by the other company. Update all automatic payments before you close the account, or call Chase to delay closure while you make those changes.