You can close a Chase savings account through the mobile app, online banking, or by calling Chase — the app and website routes take about 10 minutes

Chase lets you close a savings account without visiting a branch. The fastest method is the Chase mobile app: open it, find your savings account, look for account settings or a menu option labeled "Close Account," and follow the prompts. You'll confirm your identity and choose what to do with any remaining balance — Chase will either transfer it to another account you own or mail you a check.

If you prefer the website, log into Chase.com, navigate to your savings account details, and look for a "Close Account" or "Account Services" link. The exact location varies slightly depending on whether you're using the standard Chase dashboard or the newer interface, but both paths lead to the same closure process. Online closure typically completes within one business day.

You can also close the account by phone: call the number on the back of your debit card or 1-800-935-9935 for Chase customer service. A representative will walk you through the closure and handle your remaining balance while you're on the call. This route is useful if you have questions about fees, pending transactions, or what happens to direct deposits linked to the account.

Key Takeaways

  • The Chase mobile app is the fastest way to close a savings account — the process takes about 10 minutes and completes within one business day.
  • You must decide what happens to any remaining balance before closure: transfer to another account or receive a mailed check.
  • Chase will not close the account if there are pending transactions, so wait for all checks and transfers to clear first.
  • Closing online or through the app does not require a branch visit or a phone call, though calling customer service is an option if you have questions.

What happens to money still in the account

Before you start the closure process, decide where your remaining balance goes. Chase gives you two options: transfer the funds to another Chase account you own, or have Chase mail you a check. If you choose the transfer route, the money moves within one business day. If you choose a check, Chase will mail it to the address on file — allow 7 to 10 business days for delivery.

If your savings account is linked to direct deposits or automatic payments, those will stop working once the account closes. Contact your employer or the organizations making automatic payments to update your account information before you close. Chase will not process transactions to or from the closed account, so any payment attempts after closure will fail.

Why Chase might not let you close the account when ready

Chase will not close a savings account if there are pending transactions — checks that have not cleared, transfers in progress, or holds placed by the bank. You'll see a message during the closure process if this is the case. Wait for all pending activity to settle, which usually takes 1 to 3 business days, then try closing again.

Some savings accounts have a minimum balance requirement. If your account is below that minimum and you have not been charged a fee yet, you can still close it. However, if you've already been charged a monthly maintenance fee, closing the account will not refund those charges — they are final once assessed.

Steps to close through the Chase mobile app

Open the Chase mobile app and log in with your username and password. Tap on the savings account you want to close — it will appear in your account list on the home screen or under "Accounts."

Once you're viewing the account, look for a menu icon (usually three horizontal lines or three dots) in the top right or bottom of the screen. Tap it and scroll through the options until you find "Close Account," "Account Services," or "Manage Account." The exact wording depends on your app version, but the option will be in this menu.

Tap "Close Account" and Chase will ask you to confirm your identity — you may need to enter your PIN, answer security questions, or use biometric authentication (fingerprint or face recognition). After verification, you'll see a screen asking what to do with your remaining balance. Select "Transfer to Another Account" or "Mail a Check," provide the necessary details, and confirm. Chase will send you a confirmation message, and the account will close within one business day.

Steps to close through Chase.com

Log into Chase.com using your username and password. Click on the savings account you want to close from your account list, or find it under "Accounts" or "My Accounts" depending on your dashboard layout.

Once you're on the account details page, look for a link or button labeled "Close Account," "Account Options," "Manage This Account," or "More Actions." Click it. Chase will ask you to verify your identity — you may need to enter a code sent to your phone or email, or answer security questions.

After verification, you'll see options for your remaining balance: transfer to another Chase account or request a check. Fill in the required information, review the closure details, and click "Confirm" or "Close Account." You'll receive a confirmation email, and the account will close within one business day.

Closing by phone with Chase customer service

Call 1-800-935-9935 or the number on the back of your debit card. Tell the representative you want to close your savings account and have your account number ready — it appears on your statements or in the app.

The representative will verify your identity by asking for your Social Security number, date of birth, or answers to security questions. Once verified, they'll ask what to do with your remaining balance and confirm the account details. They can process the closure when ready and will send you a confirmation number and email. The account will close within one business day.

What to do before closing: a checklist

Before you start the closure process, take these steps to avoid problems. First, wait for all pending transactions to clear — checks you've written, transfers you've initiated, and any holds placed by Chase. Log into your account and check the transaction history to make sure nothing is still processing.

Second, update any automatic payments or direct deposits linked to the account. Contact your employer, insurance company, utility providers, or any other organization that sends money to or takes money from this account. Give them your new account number if you're moving to a different bank, or let them know the account is closing.

Third, make sure you have a zero or near-zero balance. If you have a small amount left, decide whether to transfer it or receive a check. If you're closing because of a fee or a service you don't want, check whether Chase charges a closure fee — most savings accounts do not, but some specialty accounts do.

What happens after the account closes

Once Chase closes the account, you will not be able to access it through the app or website. Any debit card linked only to this account will stop working. If the debit card is also linked to a checking account, it will continue to work for that account.

Chase will keep records of the closed account for your files. If you need a statement or transaction history after closure, you can request it through customer service — Chase typically keeps records for seven years. You will not receive statements for the closed account after the closure date.

If you later realize you need to reopen a savings account with Chase, you can do so at any time. There is no waiting period, and you can open a new account through the app, website, or by visiting a branch.

Frequently Asked Questions

Can I close my Chase savings account if I have a negative balance?

No. You must bring the account to zero or positive before closing. If you owe Chase money, you'll need to deposit funds to cover the negative balance first. Once the balance is zero or positive, you can proceed with closure.

Will closing my savings account affect my credit score?

No. Closing a savings account does not appear on your credit report and will not change your credit score. Credit scores are based on credit history — loans, credit cards, and payment behavior — not on deposit accounts.

What if I close the account but forget to update my direct deposit?

Your employer's next deposit will fail and bounce back to them. Contact your employer or payroll department when ready with your new account number so they can resubmit the deposit. Ask them to confirm the new account information before the next pay cycle.

How long does it take for the account to fully close?

Chase closes the account within one business day of your request. If you chose to receive a check, allow an additional 7 to 10 business days for the check to arrive by mail. The account will be inaccessible through the app and website when ready after closure is processed.

Can I close the account if I have a pending wire transfer?

No. Chase will not close the account while a wire transfer is in progress. Wait for the wire to complete — this usually takes 1 to 3 business days — then start the closure process again.