You can remove a Chase savings account by closing it online, by phone, or in person at a branch

Chase lets you close a savings account through their mobile app, their website, by calling customer service, or by walking into a branch. The fastest route is usually the app or website if your account has a zero balance. If you have money in the account, you'll move it first—either to another Chase account or to a bank outside Chase—then close what's left. Chase does not charge a fee to close a savings account, but some accounts have a minimum balance requirement, and if you close within a certain window of opening, they may charge an early closure fee (this varies by account type).

The process itself takes minutes to start, but the account may take a few business days to fully close after you initiate it. If you're closing because of a fee or a service issue, you have other options before you go—some can be fixed without closing the account at all.

Key Takeaways

  • Move any balance out of the savings account first, either to another Chase account or to an external bank, before you close it.
  • You can close the account through the Chase app, the website, by phone at 1-800-935-9935, or at any Chase branch.
  • Chase does not charge a closure fee for most savings accounts, but some accounts charge an early closure fee if closed within 30 days of opening.
  • After you request closure, the account typically closes within 3 to 5 business days, though it may take longer if there are pending transactions.
  • If you're closing because of monthly fees or low interest rates, you may be able to switch to a different Chase savings product instead.

How to close your account through the Chase app or website

Log into the Chase mobile app or go to chase.com and sign in. Navigate to the savings account you want to close. Look for a menu or settings option—in the app, this is usually three dots or lines in the top corner of the account view. Select "Close Account" or "Account Services," then follow the prompts to confirm.

Chase will show you the current balance and ask where you want the money to go. If the balance is zero, you can proceed directly to closure. If there is money in the account, you must move it before closing. You can transfer it to another Chase account when ready, or you can request a check, which takes 7 to 10 business days. Once the balance is zero and you confirm closure, the account will close within 3 to 5 business days.

Closing your account by phone or at a branch

Call Chase customer service at 1-800-935-9935. Tell them you want to close your savings account and have your account number ready. They will confirm your balance, ask where you want any remaining money sent, and process the closure over the phone. This takes about 10 minutes.

Alternatively, visit any Chase branch with a photo ID and your account number. A banker can close the account in person and handle the balance transfer or check request on the spot. If you have a large balance, closing in person may be faster because you can receive a cashier's check when ready instead of waiting for a transfer or mailed check.

What happens to pending transactions and automatic payments

If you have automatic transfers, bill payments, or direct deposits linked to the savings account, you need to change those before you close the account. Chase will not automatically reroute them. Log into your account and update any recurring payments to point to a different account, or contact the organizations making those payments (your employer for direct deposit, billers for automatic payments) and give them your new account number.

Pending transactions—deposits or withdrawals that have not yet cleared—may still process after you request closure. If a pending transaction posts after the account is closed, Chase will either return it or hold it temporarily. This is rare, but it's why you should wait until you know all transactions have cleared before closing.

Early closure fees and account-specific rules

Most Chase savings accounts do not charge a fee to close. However, some accounts—particularly promotional or specialty savings products—charge an early closure fee if you close within 30 days of opening. This fee is typically $25 to $100, depending on the account type. Chase will tell you during the closure process if a fee applies.

If you opened the account recently and a fee is about to explore, you can ask a banker whether waiting a few days past the 30-day mark would avoid it. You can also ask whether switching to a different Chase savings product (rather than closing entirely) would let you keep the account open without the fee.

Alternatives to closing if you're unhappy with the account

If you're closing because of monthly maintenance fees, low interest rates, or poor customer service, closing may not be necessary. Chase offers several savings products—the regular savings account, the high-yield savings account, and accounts tied to checking packages—and they have different fee structures and interest rates. A banker can walk you through switching to a product that fits your needs better.

If the issue is a fee you were charged, you can also request a fee reversal. Call customer service or visit a branch and explain the situation. Chase often reverses one or two fees as a courtesy, especially if you've been a customer for a while. This takes a few minutes and may solve the problem without closing the account.

What to do after the account closes

Once the account is closed, you will no longer see it in your Chase app or online banking. Any remaining balance will have been transferred or mailed to you. Keep a record of the closure confirmation—Chase sends this via email or mail—in case you need to reference it later for tax or banking records.

If you closed the account and later realize you need to access old statements or transaction history, you can still request them from Chase. Call customer service or visit a branch with your ID, and they can provide copies of statements from the time the account was open. Chase keeps this information for several years.

Frequently Asked Questions

Will closing my savings account hurt my credit score?

No. Closing a savings account does not affect your credit score because savings accounts are not reported to credit bureaus. Only credit products—credit cards, loans, lines of credit—show up on your credit report. Closing a savings account has no impact on your creditworthiness.

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 an account that had a promotional interest rate or bonus, that offer may not be available again when ready. Ask a banker about current offers when you're ready to open a new account.

What if I have a negative balance when I try to close?

If your account is overdrawn, you must bring the balance to zero or positive before Chase will close it. Transfer money in from another account or deposit a check to cover the negative balance, then proceed with closure. Chase will not close an account that owes them money.

How long does it take to get my money back if I request a check?

If you request a check during closure, Chase will mail it to your address on file. Checks typically arrive within 7 to 10 business days, though mail delivery times vary by location. If you need the money faster, request a transfer to another bank account instead—that usually clears within 1 to 3 business days.

Do I need to close my checking account too if I'm leaving Chase?

No. You can close your savings account and keep your checking account open, or vice versa. Each account is separate, and you can manage them independently. If you want to close both, you can do that in the same session, but it's not required.