You can close a Chase account online, by phone, or in person — the fastest route depends on your account type
Chase lets you close most checking and savings accounts without a penalty or waiting period. You can start the process online through your Chase account, call the number on the back of your debit card, or visit a branch in person. The main requirement before closing is moving your money out and making sure no pending transactions are still processing.
The specific steps vary slightly depending on whether you have a checking account, savings account, or both. If you have a mortgage, auto loan, or credit card with Chase, closing a deposit account does not affect those products — they remain open unless you close them separately.
Key Takeaways
- You must withdraw or transfer your remaining balance before Chase will close the account, and you should wait for any pending deposits or payments to clear first.
- Online closure through your Chase account is available for most checking and savings accounts and takes a few minutes, though confirmation can take one to two business days.
- If online closure is not available for your account type, calling 1-800-935-9935 (the number on your debit card) or visiting a branch are your next options.
- Chase will not charge you a fee to close an account, and you do not need to provide a reason for closing.
- After closure, keep your final statement for your records, and watch for any unexpected charges that may arrive after the account officially closes.
Prepare your account before you close it
Before you start the closure process, move all your money out of the account. This means withdrawing cash, transferring the balance to another bank, or moving it to a different Chase account you plan to keep open. Chase will not close an account that still holds a balance.
Check for any pending transactions — deposits that have not yet posted, checks you wrote that have not cleared, or automatic payments scheduled to come out. If you close the account while these are still in motion, they may bounce or fail. Wait until you see them post to your account, or contact the sender or payee to redirect them to your new account first.
If you have direct deposit set up with your employer, update your banking information with them before closing. The same applies to any automatic bill payments or transfers you have scheduled. Chase will not forward these to a new account automatically.
Close your account online through Chase
Log into your Chase account on the Chase website or mobile app. Go to the account you want to close, then look for a settings or account options menu — the exact location varies by account type and whether you are on desktop or mobile.
Select the option to close the account. Chase will ask you to confirm that your balance is zero and that you understand the account will be closed. You may also see a brief survey asking why you are closing the account, but you do not have to answer it. Complete the confirmation, and Chase will show you a closure reference number.
The account closure usually takes effect within one to two business days. You will receive a confirmation email, and the account will no longer appear in your active accounts list. If you do not see the closure option online, your account type may require you to call or visit a branch instead.
Close your account by phone
Call the number on the back of your debit card or Chase customer service at 1-800-935-9935. Have your account number and a form of identification ready. A representative will verify your identity, confirm that your balance is zero, and process the closure.
The representative may ask why you are closing the account or offer you incentives to keep it open. You do not have to explain your reason or accept any offers. Once you confirm you want to close, the representative will give you a reference number and tell you when the closure will take effect — usually within one to two business days.
Closing by phone is useful if you are not comfortable with online banking, if your account type does not support online closure, or if you want to speak with someone directly. Wait times can vary, especially during busy hours, so call early in the morning or on a weekday if possible.
Close your account in person at a Chase branch
Visit any Chase branch with a government-issued photo ID and your debit card. Tell a representative you want to close your account. They will verify your identity, confirm your balance is zero, and process the closure on the spot.
In-person closure is the fastest way to get when ready confirmation and a printed receipt. It is also the best option if you have questions about your account history or if you want to discuss moving your money to a different bank before you close. The branch representative can answer questions about Chase products if you are considering switching to a competitor.
Chase branches are open during standard business hours, which vary by location. You can find your nearest branch and its hours on the Chase website or by calling 1-800-935-9935.
What happens after your account closes
Once your account is officially closed, you will no longer be able to use your debit card for that account. Any pending transactions that were not processed before closure may fail or bounce. If a check or automatic payment comes through after the account closes, Chase will return it unpaid, and the sender may charge you a fee.
Chase will mail you a final statement showing all activity up to the closure date. Keep this for your records, especially if you have tax-related transactions or need proof that the account is closed. If you do not receive a final statement within 30 days, contact Chase to request one.
Watch your credit report over the next few months. A closed account may appear on your credit report for up to 10 years, but it should show as "closed by consumer" rather than closed due to missed payments or other negative reasons. This does not hurt your credit score, but it is worth monitoring to make sure the closure was reported correctly.
Closing a Chase account with a negative balance or holds
If your account has a negative balance — meaning you owe Chase money — you must pay that amount before the account can close. This can happen if a check bounced, a transaction was reversed, or an overdraft fee was charged after you thought the account was empty. Contact Chase to find out the exact amount owed, then pay it before attempting to close.
If Chase has placed a hold on your account due to suspicious activity or fraud, you will need to resolve that hold before closing. Call the number on your debit card to speak with a representative about the hold and what you need to do to clear it.
If you have a Chase credit card or loan tied to the same account, closing the deposit account does not close those products. You will need to close them separately if you want to end your relationship with Chase entirely.
Frequently Asked Questions
Will Chase charge me a fee to close my account?
No. Chase does not charge a fee to close a checking or savings account. Some account types may have a monthly maintenance fee, but that fee stops once the account is closed.
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 allowing you to open a new one. Contact a branch or call customer service to ask about reopening if you are unsure.
What if I close my account but a check comes through afterward?
Chase will return the check unpaid to whoever wrote it. The sender may charge you a fee for the returned check. This is why it is important to wait for all pending transactions to clear before closing and to notify anyone who regularly sends you money or payments.
Do I need to close my Chase credit card when I close my bank account?
No. Your Chase credit card and your Chase bank account are separate products. Closing one does not affect the other. You can close your bank account and keep your credit card open, or vice versa.
How long does it take for a Chase account to fully close?
The account usually closes within one to two business days after you request closure. You will receive a confirmation email once it is complete. In rare cases, it may take longer if there are pending transactions or other issues with the account.