You can close a Chase checking account by phone, in person, or online, but the method depends on your account type and whether you have an outstanding balance
The fastest way to close most Chase checking accounts is to call their customer service line at 1-800-935-9935. You'll need your account number and a form of ID ready. Chase will ask whether you want to transfer your remaining balance to another account, receive a check, or leave a zero balance. If you have direct deposits or automatic payments set up, Chase will ask you to confirm those are moved or cancelled before they process the closure.
If you prefer not to call, you can also close your account in person at any Chase branch with your ID and account number. This takes about 10 to 15 minutes. Online closure is available for some account types through the Chase mobile app or website, though not all checking accounts offer this option — if you don't see a closure option in your account settings, phone or branch closure is your route.
Key Takeaways
- Call 1-800-935-9935 to close your account by phone, or visit a branch in person with your ID and account number.
- You must decide how to handle your remaining balance: transfer to another account, receive a check, or leave it at zero.
- Cancel or redirect any direct deposits, automatic bill payments, or recurring transfers before closure to avoid rejected transactions.
- Chase does not charge a fee to close a checking account, but you may owe a balance if your account is overdrawn.
- Account closure is usually final within one to three business days, though checks or transfers of remaining funds may take longer to arrive.
What to do before you call or visit
Before you contact Chase, take three steps. First, log into your account online or through the app and review your current balance. If you have pending transactions or automatic payments scheduled, they may still process after you request closure, so knowing your balance now helps you decide how much to transfer out or leave behind.
Second, make a list of any recurring transactions tied to this account: direct deposits from your employer, automatic bill payments, subscription charges, or transfers to savings. You'll need to update these with your new account information or cancel them entirely. Chase will not automatically redirect these, and missed payments or failed deposits can create problems later.
Third, check whether you have a Chase credit card, loan, or other products linked to this checking account for automatic payments. If you do, you'll need to update the payment method on those accounts before closure, or they may fail when the bill comes due.
Closing by phone
Call 1-800-935-9935 and tell the representative you want to close your checking account. Have your account number and ID ready. The representative will verify your identity, confirm your current balance, and ask how you want to handle any remaining funds.
Your options are: transfer the balance to another Chase account you own (this happens when ready), request a check mailed to your address (usually arrives in five to seven business days), or leave the account at zero if you've already withdrawn everything. If your account is overdrawn, you'll need to pay the negative balance before closure. Chase accepts payment by debit card or bank transfer during the call.
The representative will also ask you to confirm that you've cancelled or redirected all automatic payments and direct deposits. If you haven't done this yet, ask the representative to hold while you log in and make those changes, or call back once you've completed them. Closing an account with active recurring transactions can result in failed payments or lost deposits.
After you hang up, you'll receive a confirmation email within a few hours. Keep this email for your records. The account typically closes within one to three business days.
Closing in person at a Chase branch
Bring your ID and your account number to any Chase branch during business hours. Tell a teller you want to close your checking account. The teller will pull up your account, show you the current balance, and ask how you want to handle it.
If you have cash or checks to deposit before closure, you can do that during the same visit. If your account is overdrawn, you can pay the balance in cash or with a debit card at the branch. The teller will process the closure on the spot, and you'll receive a receipt with a confirmation number.
Like phone closure, you should have already cancelled or redirected automatic payments and direct deposits. If you haven't, ask the teller whether you can do it on a branch computer before they finalize the closure. The account will close within one to three business days.
Closing through the Chase app or website
Not all Chase checking accounts offer online closure. Log into your Chase account online or through the mobile app and look for account settings or account management. If a "close account" or "close this account" option appears, click it and follow the prompts.
You'll be asked to confirm your identity and choose how to handle your balance. Online closure usually processes faster than phone or branch closure — often within 24 hours — but only if your account has a zero or positive balance. If you're overdrawn, you'll need to pay the balance first, either by transferring funds from another account or by calling customer service.
If you don't see a closure option in your account settings, your account type doesn't support online closure. Call 1-800-935-9935 or visit a branch instead.
What happens to your debit card and checks
Your Chase debit card will stop working when ready after the account closes, even if it hasn't expired. You don't need to do anything with it — it straightforward becomes inactive. You can throw it away or shred it.
If you have unused checks, they will no longer be valid after closure. Any checks you've already written but haven't been cashed will bounce if they're deposited after the account closes. If you've given someone a check that hasn't cleared yet, contact them and ask them to hold off on depositing it, or provide them with your new account information if you want the payment to go through.
If you have an overdrawn account or outstanding fees
Chase will not close an account with a negative balance. If your account is overdrawn, you must pay the full amount owed before closure can be processed. You can do this by transferring funds from another account, depositing cash at a branch, or paying by debit card over the phone.
If your account has pending fees — for example, a monthly maintenance fee that hasn't posted yet — Chase will deduct it from your balance before closure. Ask the representative or teller what your total owed amount is, including any fees that may still be pending.
Frequently Asked Questions
Can I reopen my Chase checking account after I close it?
Yes, but it depends on how long it's been closed and whether you left the account in good standing. If you closed it recently and had no negative balance or fraud issues, you can usually open a new account when ready. If there were problems — overdrafts, unpaid fees, or fraud — Chase may require you to wait 90 days or longer before opening a new account.
What if I have pending transactions when I close my account?
Transactions that have already posted will be processed against your balance. Transactions that are still pending may bounce after closure, depending on when they're submitted. Before you close, contact any companies with recurring charges and update your payment method, or cancel the service entirely.
Do I have to close my account in person, or can I do it all by phone?
You can close entirely by phone. In-person closure is not required. Phone closure is usually faster and doesn't require a trip to a branch. Choose whichever method is most convenient for you.
How long does it take for my account to actually close?
Most Chase checking accounts close within one to three business days of your request. If you requested a check for your remaining balance, that check may take five to seven business days to arrive after the account closes. Online closure sometimes processes within 24 hours.
Will closing my Chase checking account affect my credit score?
No. Closing a checking account does not appear on your credit report and does not affect your credit score. Only credit accounts — credit cards, loans, lines of credit — show up on your credit history.