You can close most Chase accounts online through your account settings, but the method depends on whether it's a checking, savings, or credit card account
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. Credit card accounts close differently — you'll need to pay off your balance first, then request closure through your online account or by phone. The process takes a few minutes to start, but the actual closure may take several business days to complete.
Before you close, make sure any automatic payments or direct deposits linked to the account are moved elsewhere. Chase will not automatically redirect these, and missed payments or lost deposits can create problems weeks after you think the account is closed.
Key Takeaways
- Checking and savings accounts close through your Chase online account under account settings, while credit cards require you to pay the full balance first.
- You must stop automatic payments and redirect direct deposits before closing, or they will fail and potentially trigger overdraft fees or missed bill payments.
- Account closure takes three to five business days after you request it, and Chase will send a confirmation email when it's complete.
- If your account has a negative balance or outstanding holds, Chase may delay closure until those are resolved.
Closing a Chase Checking or Savings Account Online
Log into your Chase account on their website or open the Chase Mobile app. Go to the account you want to close and look for "Account Settings" or "Manage Account" — the exact label varies by app version. Scroll down until you see an option for "Close Account" or "Close This Account."
Chase will ask you to confirm the account number and may ask why you're closing. You don't have to provide a reason, but they sometimes use the feedback to improve their service. After you confirm, you'll see a message saying the closure request has been submitted. Chase will send a confirmation email within a few hours.
The account will remain open for three to five business days while Chase processes the request. During this time, any remaining balance will be mailed to you as a check, or you can request it be transferred to another Chase account if you have one. Do not attempt to use the account during this period — transactions may be declined or reversed.
Closing a Chase Credit Card Account Online
Credit cards close through a different process because you must settle your balance first. Log into your Chase account and navigate to the credit card you want to close. Pay any outstanding balance in full — you cannot close an account with an unpaid balance.
Once the balance is zero, look for "Account Services," "Manage Account," or a three-dot menu icon on the card details page. Select "Close Account" or "Request Closure." Chase will ask you to confirm and may offer you a retention offer (a discount or bonus to keep the account open). You can decline and proceed with closure.
After you request closure, Chase will send a confirmation email. The account will show as "Closed" in your online account within one to two business days, though the card itself may remain in your wallet. Cut up the physical card or destroy it to prevent accidental use.
What to Do Before You Close Your Account
Review your account for any automatic payments or recurring charges. These include subscription services, utility bills, insurance premiums, loan payments, or any other regular withdrawals. Log into each service's website and update the payment method to your new bank account, or cancel the service if you no longer need it.
Check whether you receive direct deposits into this account — paychecks, government benefits, tax refunds, or transfers from other accounts. Contact your employer, benefits administrator, or the sending institution and provide them with your new account number and routing number. This can take one to two pay cycles to take effect, so plan ahead if you're closing soon after a paycheck.
If you have a Chase debit card linked to the account, it will stop working once the account closes. If you're keeping a Chase account open, you can request a new debit card for that account before you close this one. If you're leaving Chase entirely, destroy the old card and set up a debit card with your new bank.
What Happens If Your Account Has a Negative Balance or Hold
If your account is overdrawn — meaning you owe Chase money — you must pay the negative balance before closure. Chase will not close an account with an outstanding debt. If you don't pay, the account will remain open and Chase may send the debt to collections.
Some accounts have holds placed by Chase for fraud investigation, pending transactions, or other security reasons. If a hold is active, Chase will not close the account until the hold is lifted. You can contact Chase customer service to ask about the hold and when it will be removed.
How Long Closure Takes and What Happens Next
After you request closure, the account enters a processing period that typically lasts three to five business days. During this time, the account is still technically open but flagged for closure. Any transactions you attempt will likely be declined.
Once closure is complete, Chase will send a final confirmation email. For checking or savings accounts with a remaining balance, Chase will mail a check to the address on file within five to seven business days. If you prefer, you can call Chase before requesting closure and ask them to transfer any remaining balance to another Chase account you own.
After closure, you will no longer see the account in your online banking portal. Your account history remains available for seven years if you need to reference past statements or transactions. You can request old statements by calling Chase customer service.
Closing Your Account by Phone If Online Closure Doesn't Work
If you cannot close your account through the website or app — for example, if you're having technical trouble or your account has a restriction — you can call Chase customer service. The number is on the back of your debit card or credit card, or you can find it on Chase.com.
Have your account number and a form of ID ready. Tell the representative you want to close the account. They will ask the same questions as the online process and may offer retention incentives for credit cards. Once you confirm, they will submit the closure request and provide you with a confirmation number. Write this down in case you need to follow up.
Closure by phone takes the same three to five business days as online closure. You will receive a confirmation email and, for deposit accounts, a check in the mail if there's a remaining balance.
Frequently Asked Questions
Can I close my Chase account if I still owe money on it?
No. For credit cards, you must pay the full balance before requesting closure. For checking or savings accounts, you must pay any overdraft or negative balance. Once the balance is zero, you can proceed with closure. If you don't pay, the account will remain open and the debt may be sent to collections.
What happens to my direct deposits and automatic payments after I close the account?
They will fail. You must update your direct deposit information with your employer or benefits provider and move automatic payments to a different account before you close. If you don't, payments will bounce and you may face late fees or missed bill payments. Chase will not redirect these automatically.
How long does it take to close a Chase account?
The closure request takes a few minutes to submit online or by phone. The actual closure process takes three to five business days. You will receive a confirmation email when it's complete. If your account has a hold or negative balance, closure may take longer.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account at any time. However, if you closed the account due to a negative balance or fraud, Chase may review your history before approving a new account. If you straightforward want to reopen the same account, that's not possible — you'll need to open a new one.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts don't appear on your credit report. Closing a credit card may have a small impact because it reduces your total available credit, but the effect is usually temporary and minor if you have other cards open.