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, settle any outstanding fees or negative balances, and make sure no automatic payments or direct deposits are still linked to the account. The process itself takes a few minutes, but it can take five to ten business days for the account to fully close and for any remaining funds to reach you.

If you have a credit card instead of a deposit account, closing works differently — you'll contact the credit card division, pay off the full balance, and the account closes once the payment clears. If you have a mortgage, home equity line of credit, or investment account with Chase, each of those has its own closure process and you may need to speak with a specialist.

Key Takeaways

  • Withdraw or transfer your full balance before closing, because Chase will not close an account with money still in it.
  • Remove any automatic payments, direct deposits, or linked services from the account at least a few days before you request closure.
  • Call 1-800-935-9935, visit a branch in person, or use the Chase app to request closure — phone is usually fastest.
  • The account closes within five to ten business days, and any remaining funds are mailed to your address on file if not transferred elsewhere.
  • Credit cards close when ready once the balance is paid in full, but deposit accounts require a separate closure request.

What you need to do before closing

Move your money out first. If your account has a positive balance, transfer it to another bank account or withdraw it in cash. If your account is negative — meaning you owe Chase money — you must pay that balance in full before they will close it. Check your most recent statement or log into your account online to see the exact balance.

Stop all automatic transactions. Review any automatic bill payments, recurring transfers, or direct deposits tied to this account. Contact each company or your employer to redirect those payments to a different account at least three to five business days before you request closure. If a payment tries to go through after you close the account, it will be rejected and may trigger overdraft fees or late payment penalties with the company you owe.

Remove linked services. If you use Chase QuickPay, Zelle, or any third-party apps connected to this account, disconnect them first. Check that no pending transfers are waiting to process. If you have a Chase debit card attached to the account, you can destroy it once the account is closed, but you do not need to do anything special with it beforehand.

Closing through phone, app, or in person

By phone: Call 1-800-935-9935 and tell the representative you want to close your account. Have your account number and a form of ID ready. They will confirm your balance, ask why you are closing (this is optional to answer), and process the closure request. If there is a remaining balance, ask where it will be sent — usually to your address on file by check, but you can sometimes request a transfer to another account instead.

In person at a branch: Bring your ID and debit card to any Chase branch. Tell a representative you want to close the account. They will print a receipt showing the closure request and any remaining balance. This method is useful if you want to withdraw cash on the spot or if you have questions the phone line cannot answer quickly.

Through the Chase app or website: Log in, find the account settings, and look for a "close account" or "account services" option. Not all account types can be closed online — if you do not see the option, you will need to call or visit a branch. The app will walk you through confirming your balance and will show you when the closure is complete.

What happens after you request closure

Chase processes the closure request within one to two business days. The account itself closes within five to ten business days. During this time, the account is no longer active and you cannot use the debit card or make transfers, but any pending transactions may still post. Once fully closed, Chase will mail any remaining balance to the address on your account unless you arranged a transfer.

You will receive a final statement by mail showing the closure date and any fees charged up to that point. Keep this statement for your records. If you do not receive your remaining balance within two weeks, call Chase to confirm the mailing address and ask for a replacement check.

Closing a Chase credit card

Credit cards close differently than deposit accounts. Pay off the full balance first — you can do this online, by phone, by mail, or at a branch. Once the payment clears, the account is closed. You do not need to make a separate closure request. The card issuer will send you a confirmation letter in the mail.

Closing a credit card affects your credit score because it reduces your total available credit and may raise your credit utilization ratio on other cards. If you are closing the card because of high interest rates or fees, consider calling the card's customer service line first — they can sometimes lower your rate or waive fees rather than lose you as a customer.

Closing other types of Chase accounts

If you have a Chase mortgage, home equity line of credit, or investment account, those cannot be closed through the standard process. A mortgage must be paid off or refinanced elsewhere before it closes. A home equity line of credit must be paid in full. Investment accounts held at Chase Investment Services require you to liquidate holdings and transfer or withdraw the proceeds. Contact the specific department for your account type — the main customer service line can transfer you to the right team.

If you have a Chase business account, the closure process is similar to personal accounts, but you may need to provide business documentation or have an authorized signer present. Call the business banking line or visit a branch that handles business accounts.

What to do if you have problems closing your account

If Chase refuses to close your account, the most common reason is an outstanding balance or pending transactions. Ask the representative for the exact amount owed and the reason for the hold. Pay any balance and wait for pending transactions to clear, then request closure again.

If you believe Chase is wrongfully refusing to close your account or has charged unauthorized fees, file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. You can also contact your state's banking regulator or attorney general's office. Keep records of all communications with Chase, including dates, times, and names of representatives you spoke with.

Frequently Asked Questions

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

No. You must pay the negative balance in full before Chase will close the account. If the negative balance is due to an overdraft fee, you can ask Chase to waive it, though they are not required to. Once you pay, you can request closure when ready.

Will closing my account hurt my credit score?

Closing a deposit account (checking or savings) does not affect your credit score. Closing a credit card does affect it because it lowers your available credit. The impact is usually small if you have other cards open, but it can be larger if this is your only card or your oldest account.

How long does it take to get my money back after I close?

If you transfer your balance to another bank before closing, you get it when ready. If Chase mails a check, it typically arrives within two weeks. If the check does not arrive, call Chase with your confirmation number and they will issue a replacement.

Do I need to destroy my debit card after closing?

You do not have to, but it is a good idea. Once the account is closed, the card will not work anyway. You can cut it up, shred it, or throw it away. Chase does not require you to return it.

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

You can open a new account with Chase at any time. However, if you closed due to a negative balance or dispute, Chase may flag your name in their system and deny the new account. If this happens, contact Chase directly to ask about reopening or opening a new account.