How to Close a Chase Account
You can close a Chase bank account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app or website. Chase does not charge a fee to close an account. The process takes a few minutes if you call, or a few business days if you close it online. You will need to move any remaining money out first, and Chase will close the account once the balance reaches zero.
Before you close, check whether you have any pending transactions, automatic bill payments, or direct deposits linked to the account. Chase will not close an account with an outstanding balance or unresolved disputes. If you have a credit card with Chase, closing a bank account does not affect your credit card account — you must close those separately if you want to.
Key Takeaways
- Call Chase at 1-800-935-9935 to close an account over the phone, or visit your local branch with a photo ID.
- Move all remaining money out of the account before closing, because Chase will not close an account with a balance.
- Cancel any automatic payments or recurring transfers tied to the account before you close it.
- Closing a bank account does not affect your Chase credit card or credit score.
- The account closes when ready by phone or in person, but may take a few business days if you close it online.
Close Your Account by Phone
Call Chase customer service at 1-800-935-9935 and tell them you want to close your account. Have your account number ready, or be prepared to provide your Social Security number and date of birth so they can look it up. The representative will confirm the account balance and ask where you want any remaining funds sent.
If your account has a balance, the representative will walk you through transferring the money. You can move it to another Chase account you own, to an external bank account, or request a check. If you choose a check, Chase will mail it to the address on file — this usually takes 5 to 10 business days. The account closes once the balance reaches zero.
Ask the representative to confirm the closure in writing. Some customers receive an email confirmation when ready; others receive a letter in the mail within a few days. Keep this confirmation for your records.
Close Your Account in Person at a Branch
Visit any Chase branch with a photo ID and a debit card or checkbook linked to the account. Tell the teller you want to close the account. They will check the balance and ask how you want to withdraw any remaining money — as cash, a transfer to another account, or a check.
If you withdraw cash, the teller will count it out and the account closes that day. If you request a transfer or check, the account closes once the funds clear. The teller will give you a receipt showing the account closure and the final balance. Keep this receipt.
Closing in person is the fastest route if you have a balance, because you can walk out with your money the same day. It also gives you a paper record when ready.
Close Your Account Online or Through the Mobile App
Log into your Chase account on the website or open the Chase mobile app. Go to the account settings or account details section — the exact menu name varies by account type. Look for an option labeled "Close Account" or "Account Closure."
Chase will show you the current balance and ask you to confirm you want to close. If the balance is zero, you can complete the closure when ready. If there is money in the account, you must transfer it out first using the same app or website before you can close.
Online closure usually takes 1 to 3 business days to complete. Chase will send a confirmation email once the account is closed. If you do not receive an email within a week, call customer service to confirm the closure went through.
What to Do Before You Close
Check your account for any automatic bill payments or recurring transfers set to that account. Log into each service you pay — utilities, insurance, subscriptions, loan payments — and update the payment method to a different account or card. If you forget to update these, payments will fail and you may face late fees or service interruptions.
Check whether you have direct deposit set to this account. Contact your employer's payroll department or your benefits provider and update the account number to your new bank account. This usually takes one pay cycle to take effect.
Review your account statements for the past 30 days to make sure there are no pending transactions or disputes. If Chase is investigating a transaction or you have filed a dispute, the account cannot close until it is resolved. Contact Chase if you see anything unclear.
If you have a Chase credit card, closing your bank account does not close the credit card. You must close the credit card separately if you want to. Call the number on the back of your card or log into your credit card account online.
What Happens After You Close
Once the account is closed, you cannot use the debit card linked to it. If you have checks printed for this account, they will be rejected. Chase will not reopen the account, so if you change your mind, you will need to open a new account.
Closing a bank account does not hurt your credit score. Bank account closures do not appear on your credit report. However, if you close the account because of overdrafts or unpaid fees, those may be reported to ChexSystems, which is a banking history report that other banks can see when you open a new account.
Keep your final account statement and closure confirmation for at least one year. You may need them for tax purposes, to prove you closed the account, or to dispute any charges that appear after closure.
If You Cannot Close the Account
Chase will not close an account if there is an outstanding balance, a pending dispute, or unresolved fraud claim. If you see a hold on your account, call customer service to find out why. Holds are usually temporary and lift within a few business days.
If you have a negative balance — meaning you owe Chase money — you must pay it before closing. You can pay online, by phone, or at a branch. Once the balance is zero, you can proceed with closure.
If you are having trouble closing your account, ask to speak with a supervisor. Explain what you have tried and what error message or reason you received. They may be able to override a system block or resolve the underlying issue.
Frequently Asked Questions
Can I close my Chase account if I have a negative balance?
No. You must pay the negative balance first. You can pay online, by phone, or at a branch using cash, a debit card, or a check. Once the balance reaches zero, you can close the account.
Will closing my Chase account hurt my credit?
Closing a bank account does not appear on your credit report and does not affect your credit score. However, if the account was closed because of overdrafts or unpaid fees that were reported to ChexSystems, other banks may see that history when you open a new account.
What if I close my account and then receive a check or payment for that account?
Checks and deposits sent to a closed account will be returned to the sender. If you are expecting a refund or payment, update the account information with that company before you close. If a payment arrives after closure, contact the sender and ask them to reissue it to your new account.
Do I have to close my Chase credit card if I close my bank account?
No. Your bank account and credit card are separate. Closing one does not affect the other. If you want to keep your credit card, you can close just the bank account. You must close the credit card separately if you want to.
How long does it take to close a Chase account?
Closing by phone or in person takes a few minutes, and the account closes that day. Closing online or through the app takes 1 to 3 business days. The timeline depends on whether you have a balance — if you do, you must transfer it out first.