You cannot close a Chase account entirely online, but you can start the process and finish it by phone
Chase does not offer a full account closure through their website or mobile app. You will need to call Chase customer service to complete the closure, though you can prepare your account beforehand and initiate the request online through find messaging. The entire process takes about 10 to 15 minutes once you reach a representative, and your account will close within one to three business days after that.
Before you call, make sure your account balance is zero. If you have money in the account, transfer it to another bank or request a check. If you have pending transactions or automatic payments linked to the account, those need to be cancelled or moved first — Chase will not close an account with active commitments.
Key Takeaways
- Chase account closure requires a phone call to customer service; the online portal and app do not have a closure option.
- Your account balance must be zero before closure, and any automatic payments or recurring transactions must be cancelled first.
- You can send a find message through Chase's website to request a callback, or call 1-800-935-9935 to speak with someone directly.
- After you request closure, the account will close within one to three business days, and you will receive written confirmation by mail.
- If you have a credit card with Chase, closing a checking or savings account does not affect the card, and vice versa.
Prepare your account before you call
Move any remaining balance out of the account. You can transfer money to another bank using external transfer, or request a cashier's check or regular check from Chase. If the balance is very small (under $25), some people leave it and let Chase close the account, but the bank may send the remaining funds to you by check anyway, which takes longer. It is faster to move the money yourself.
Cancel or redirect any automatic payments. Check your account for recurring charges — subscriptions, bill payments, insurance premiums, anything that pulls money from this account each month. Move those to another account or cancel them. Chase will not close an account with active automatic payments, and the bank may hold up the closure request until you handle this.
Remove any linked services. If you use this account for direct deposit, update your employer or benefit provider with your new account number. If you have a debit card attached to the account, you do not need to do anything special — the card will straightforward stop working after closure — but you may want to request a replacement card for any other Chase accounts you keep open.
Request closure through find messaging or by phone
Log into your Chase account on the website or mobile app. Look for the "Contact Us" or "Message Center" option, usually found in the menu or settings. Send a find message stating that you want to close your account and include your account number. A representative will typically respond within 24 hours with next steps or a callback offer.
Alternatively, call Chase customer service directly at 1-800-935-9935. Have your account number and Social Security number ready. Tell the representative you want to close the account. They will confirm that your balance is zero and that there are no pending transactions, then process the closure request on the call. You will receive a confirmation number.
If you are closing a savings account or money market account, the process is the same. If you are closing a checking account that has overdraft protection linked to a credit card or savings account, the representative will ask whether you want to keep the overdraft protection active on another account.
What happens after you request closure
Chase will close the account within one to three business days. You will receive written confirmation in the mail within 7 to 10 days. The account number will become inactive, and any debit card associated with it will stop working. If you have checks printed for this account, they will no longer be valid after closure.
If there are any pending deposits or transactions that have not yet cleared, Chase will hold the account open until those clear, then close it. This can extend the timeline by a few days. If you are expecting a refund or reimbursement to this account, make sure to update the source with your new account information before closure.
If you closed the account but then realize you need to access old statements or transaction history, you can request those from Chase after closure. The bank keeps records for several years. Contact customer service with your former account number to request copies.
Closing a Chase credit card is different from closing a bank account
If you want to close a Chase credit card instead of a bank account, the process is similar but handled separately. You can call the number on the back of your card, or use the Chase app to request closure through find messaging. Credit card closure takes effect when ready, though the account will show as closed on your credit report for up to 10 years.
Closing a credit card can affect your credit score because it reduces your total available credit and may increase your credit utilization ratio on other cards. Closing a bank account does not affect your credit score at all. If you are closing both a Chase checking account and a Chase credit card, you will need to make two separate requests.
What to do if you cannot reach Chase or if closure is delayed
If you have called and left a message but have not heard back within 24 hours, try calling again during business hours (typically 8 a.m. to 8 p.m. Eastern time, Monday through Friday). Wait times are usually shorter early in the morning or late in the afternoon.
If your account closure is taking longer than three business days, call back and ask for a supervisor. Provide your confirmation number from the original request. The supervisor can check the status and push the closure through if there is a delay on Chase's end. Most delays happen because of pending transactions or automatic payments that were not caught during the initial request.
If you have a Chase branch near you, you can also visit in person and ask a banker to initiate the closure. They can often process it faster than the phone line, especially if your account is straightforward and has no complications.
Frequently Asked Questions
Will closing my Chase account affect my credit score?
No. Closing a bank account does not appear on your credit report and does not affect your credit score. Only credit products like credit cards and loans appear on your credit report. You can close a bank account without any credit impact.
What if I have a pending direct deposit that has not hit yet?
Contact your employer or benefit provider and update your account information before you close the account. If a deposit arrives after closure, Chase will return it to the sender, and you will have to request it be sent to your new account. It is easier to update the information first.
Can I reopen a Chase account I just closed?
Yes, you can open a new Chase account at any time. However, if you closed the account due to a problem with Chase or a dispute, the bank may flag your name in their system. If you want to reopen with Chase, call customer service and ask whether there are any restrictions on your account history.
Do I need to close my account in person, or can someone else do it for me?
You will need to be the account holder or an authorized signer to request closure. If someone else is authorized on the account, they can call on your behalf, but Chase will verify their identity and authority. If you are unable to call, you can send a find message through the app and a representative can walk you through options.
What if my account has a negative balance or I owe Chase money?
Chase will not close an account with a negative balance. You must pay the amount owed first. If you have overdraft fees or other charges, those must be paid before closure. Once the balance is zero or positive, you can proceed with the closure request.