You can close a Chase account by phone, in person, or online, depending on the account type

The fastest way to close most Chase accounts is to call their customer service line at 1-800-935-9935. Have your account number ready. A representative will confirm your identity, check for pending transactions, and process the closure. The call usually takes 10 to 15 minutes. If you prefer to close in person, visit any Chase branch with a photo ID and your account number — a banker can do it on the spot.

Online closure is available for some accounts through the Chase mobile app or website, though not all account types support this method. If you see a "Close Account" option in your account settings, you can complete it without calling. However, many customers find the phone route more reliable because a representative can answer questions about what happens to pending checks or automatic payments.

Before you close, make sure your account balance is zero or positive. If you have an overdraft, you'll need to deposit money to cover it. Chase will not close an account with a negative balance until the debt is paid.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase accounts; have your account number and photo ID information ready.
  • Visit a Chase branch in person if you prefer to close face-to-face, which takes about 15 minutes.
  • Make sure your account balance is zero or positive before closing, or Chase will hold the account open until you pay any overdraft.
  • Cancel any automatic payments or recurring transfers linked to the account before closure to avoid failed transactions.
  • Request written confirmation of closure, which Chase will mail to you within 7 to 10 business days.

What to do with pending checks and automatic payments

If you have checks you've written that haven't cleared yet, those will still go through after you close the account — Chase will honor them. However, the account will be closed, which can cause confusion. Before you close, contact anyone you've given a check to and ask them to deposit it soon, or cancel the check if it hasn't been used.

Automatic payments and recurring transfers are more urgent. If you have a utility bill, insurance payment, or subscription that pulls money from this account, you must change the payment method before closing. Log into each service and update the account information, or call the company directly. If a payment tries to go through after closure, it will fail, and you may face late fees or service interruption.

The same applies to direct deposit. If your paycheck goes into this account, contact your employer's payroll department and provide a new account number before the closure date.

What happens to your account after closure

Once closed, you cannot use the account to send or receive money. Chase will keep the account on file for up to seven years in case a check or payment comes in late. If money arrives after closure, Chase will hold it and contact you — you can then request a check or transfer to another account.

Your account history remains available. You can still view past statements and transactions through your Chase online account for a limited time after closure. If you need records later, you can contact Chase and request copies, though there may be a fee for statements older than a certain period.

Closing an account does not hurt your credit score directly. However, if the account was a credit card or line of credit, closing it may slightly lower your credit score because it reduces the total credit available to you. Closing a checking or savings account has no impact on credit.

Reasons Chase might delay or refuse closure

Chase will not close an account if there is an outstanding balance, a pending dispute, or an active fraud investigation. If you have a negative balance, you must deposit money first. If there's a dispute on the account — for example, you've reported an unauthorized transaction — the account stays open until the investigation concludes.

Some accounts have minimum balance requirements or early closure fees. Certain savings accounts or money market accounts may charge a fee if you close within a set period, often 90 days to one year. Check your account agreement or ask the representative about fees before you close.

If you have a mortgage, home equity line of credit, or other loan with Chase, closing a checking account linked to that loan may trigger a review. Contact your loan servicer to confirm there are no restrictions before closing.

How to close a Chase credit card

Closing a credit card is different from closing a checking account. Call the number on the back of your card or 1-800-935-9935 and ask to close the card. You must pay off the full balance first — Chase will not close a card with an outstanding balance.

Before you close, make sure there are no pending charges or recurring payments tied to the card. Once closed, you cannot use it, though the account will remain on your credit report for up to seven years. This helps preserve your credit history.

If you have rewards points or cash back pending, use them before closure or contact Chase to find out how to redeem them after the card is closed. Some cards allow redemption for a limited time after closure.

Confirming your closure and what to keep

After you close your account, ask the representative for a confirmation number. Write it down. Chase will mail a written confirmation letter within 7 to 10 business days. Keep this letter with your financial records — it proves the account was closed on a specific date, which can be useful if a payment arrives later or if you need to dispute something.

Save your final statement before closure. read or print it from your Chase account before the account is fully closed. This document shows your final balance and any last transactions, and it's useful for tax purposes or record-keeping.

If you had a debit card linked to the account, it will stop working when ready after closure. You don't need to do anything — the card is straightforward deactivated. You can throw it away or shred it.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, you can reopen a closed account within a certain period, usually 30 days, by contacting Chase. After that window, you would need to open a new account. There is no penalty for reopening within the grace period, but you will have a new account number.

What if I close my account but a check comes in after closure?

Chase will hold the check and contact you. You can request a refund check or ask them to deposit it into another account you own. This process can take several weeks, so it's best to cancel outstanding checks before closure.

Do I lose my transaction history after I close?

No. You can view statements and transactions for a limited time through your online account after closure. If you need older statements, contact Chase and request copies. Some statements may be available free; older ones may have a small fee.

Will closing my account affect my credit score?

Closing a checking or savings account does not affect your credit. Closing a credit card may slightly lower your score because it reduces available credit, but the impact is usually small and temporary.

How long does it take for a Chase account to fully close?

The closure is when ready once processed, but Chase keeps the account on file for seven years to handle late-arriving payments. You will receive written confirmation within 7 to 10 business days.