You can close a Chase savings account through the Chase mobile app or website, but Chase does not offer a fully automated deletion process — you will need to speak with a representative to complete the closure.
Chase requires you to call or visit a branch to finalize the account closure, even though you can start the process online. This is standard practice at most banks: they want to confirm your identity, may support you have moved any remaining funds, and document that you requested the closure yourself. The phone call or branch visit typically takes 5 to 10 minutes.
Before you close the account, withdraw or transfer any remaining balance to another account. Chase will not hold your money, but having a zero balance makes the closure faster and prevents confusion later.
Key Takeaways
- Chase savings accounts cannot be fully deleted online — you must call or visit a branch to complete the closure, even if you start the request through the app or website.
- Move any money out of the account before you contact Chase, because the bank will not close an account with a balance without your explicit instruction on what to do with it.
- Call the number on the back of your debit card or the customer service line for your region to reach a representative who can process the closure.
- After closure, the account will stop appearing in your Chase app or online banking within one to two business days.
Steps to start the closure through Chase online banking
Log into your Chase account on the website or mobile app. Go to the account settings or account management section — the exact location varies slightly between the app and website, but it is usually under a menu labeled "Settings," "Account," or "Manage Accounts."
Look for an option to close or delete the account. Chase may label this as "Close Account," "Delete Account," or "Account Services." Select it and follow the prompts. Chase will ask you to confirm that you want to close the account and may ask why you are closing it — this is optional feedback and does not affect the closure.
After you complete this step online, Chase will show you a confirmation message with a reference number. Write down this number. However, this online step does not actually close the account — it flags it for closure and prepares the account for a representative to finalize.
Calling Chase to complete the closure
Call the customer service number on the back of your Chase debit card or savings account statement. If you do not have your card, you can find the regional customer service number on the Chase website under "Contact Us." Have your account number and a form of identification ready — Chase will ask for your Social Security number or other identifying information to confirm you are the account holder.
Tell the representative that you want to close your savings account. If you already started the closure online, mention the reference number you received. The representative will confirm that the account has a zero balance, verify your identity, and process the closure. They will give you a confirmation number for your records.
The account will be closed when ready in Chase's system, though it may take one to two business days to disappear from your online banking and mobile app.
What happens to pending transactions and automatic payments
If you have set up automatic payments or transfers from this savings account, cancel them before you close the account. Log into your Chase account and go to the "Transfers" or "Payments" section to see what is scheduled. Delete any recurring transfers or payments linked to this account.
If a payment or transfer is pending when you close the account, Chase will reject it and the receiving party will not receive the funds. This can cause late fees or service interruptions if you were using the account to pay a bill. Canceling scheduled transactions first prevents this problem.
If you have a negative balance or owe Chase money
If your account is overdrawn — meaning you owe Chase money — you cannot close it until the balance is paid. Deposit enough money to bring the account to zero, then proceed with the closure steps above.
If you have unpaid overdraft fees or other charges, Chase will not close the account until those are resolved. The representative you speak with can explain what you owe and how to pay it. Once paid, the closure can proceed.
Closing the account at a Chase branch in person
If you prefer not to call, you can visit a Chase branch and ask to close the account in person. Bring your debit card or account statement and a form of identification. A branch representative can close the account when ready while you wait, and you will receive a written confirmation.
This option is faster if you have questions or if there are complications with your account. It also gives you a paper record of the closure right away, rather than waiting for confirmation through email or the app.
What to do with your money before closing
Transfer your savings to another account — either another Chase account you own, or an account at a different bank. You can do this through Chase online banking by going to "Transfers" and selecting the receiving account and bank. If the receiving account is at a different bank, you may need to set up an external transfer, which can take one to three business days.
Alternatively, you can withdraw the money in cash at a Chase ATM or branch. If the balance is large, withdrawing in cash may trigger a report to the IRS, so a transfer to another account is usually simpler.
Frequently Asked Questions
Will closing my savings account hurt my credit score?
Closing a savings account does not affect your credit score because savings accounts are not reported to credit bureaus. Only credit accounts like credit cards, loans, and lines of credit appear on your credit report. You can close a savings account without any impact on your credit.
Can I reopen a Chase savings account after I close it?
Yes, you can open a new Chase savings account at any time after closing one. However, if you closed the account due to a problem with Chase or a dispute, the bank may review your history before approving a new account. There is no waiting period, but Chase may decline to reopen an account for the same customer in some cases.
What if I forgot to transfer my money before closing the account?
Call Chase customer service when ready and explain that you closed the account with money still in it. Chase can reopen the account temporarily so you can access the funds, or they can transfer the money to another account you specify. Act quickly because Chase may eventually send unclaimed funds to your state's unclaimed property program.
Do I need to close my Chase checking account too?
No, closing your savings account does not affect any other accounts you have with Chase. Your checking account, credit cards, and any other products will remain open and active. You only close the accounts you want to close.
How long does it take for the account to fully disappear from my Chase app?
The account will stop appearing in your Chase mobile app and website within one to two business days after the representative processes the closure. If it still shows after two days, log out and log back in, or contact Chase to confirm the closure was completed.