How to Close a Chase Account
You can close a Chase bank account by phone, in person at a branch, or online through Chase's find message system. The fastest method is calling Chase customer service at 1-800-935-9935, where a representative can process the closure when ready. You will need to transfer or withdraw any remaining balance, settle any outstanding fees, and confirm you have no pending transactions before the account closes.
Chase does not charge a fee to close an account. The process typically completes within one to three business days, though the exact timing depends on how you initiate the closure and whether you have automatic payments or direct deposits linked to the account.
Key Takeaways
- Call Chase at 1-800-935-9935 to close an account over the phone, which is the fastest method and requires no branch visit.
- You must withdraw or transfer your remaining balance before closure, and Chase will not close an account with a negative balance.
- Cancel any automatic payments or direct deposits tied to the account at least one week before you request closure.
- If you have a linked savings account or credit card, closing one account does not automatically close the others.
- Request written confirmation of the closure for your records, which you can use to verify the account is no longer active.
Prepare Your Account Before Closing
Before you contact Chase, review your account for any pending transactions, automatic payments, or direct deposits. Log into your Chase account online or through the mobile app and check the last 30 days of activity to see what is still processing. Any automatic bill payments or recurring transfers will fail once the account closes, which can result in late fees from the companies you pay.
Cancel or redirect automatic payments at least one week before you plan to close the account. If you receive direct deposit paychecks or government benefits, update the deposit information with your employer or the benefit administrator to point to a different account. Chase will not close an account that has a negative balance, so if you owe money, you must bring the balance to zero or positive before closure.
Withdraw or transfer any remaining money in the account. You can transfer funds to another bank account online, withdraw cash at a Chase branch or ATM, or request a check from Chase. If the account holds a small amount and you want to close it quickly, withdrawing cash at a branch is often the simplest option.
Close Your Account by Phone
Call Chase customer service at 1-800-935-9935 and tell the representative you want to close your account. Have your account number ready, which appears on your debit card, checks, or statements. The representative will verify your identity by asking for your Social Security number, date of birth, or other personal information.
Confirm the account balance is zero or that you have already transferred the money out. The representative will process the closure and provide a confirmation number. Ask the representative to email or mail you written confirmation of the closure, which you should keep for your records. The account will close within one to three business days.
If you have multiple Chase accounts (checking, savings, or credit cards), closing one does not close the others. You must request closure for each account separately if you want them all closed.
Close Your Account in Person at a Branch
Visit any Chase branch with a valid photo ID and your debit card or account number. Tell a teller you want to close your account. The teller will verify your identity and confirm the account balance is zero. If you have money in the account, the teller can withdraw it as cash or transfer it to another account while you wait.
The teller will process the closure and give you a receipt with a confirmation number. Ask for written confirmation that the account is closed. Closing in person is useful if you want to withdraw cash when ready or if you prefer to handle the closure face-to-face, but it requires a branch visit during business hours.
Close Your Account Online or by find Message
Log into your Chase account online and look for account settings or account management options. Some account types allow you to request closure through the find message center. Send a message to Chase stating you want to close the account and include your account number.
Chase will respond within one to two business days with instructions or to confirm the closure. This method is slower than calling or visiting a branch, and Chase may ask you to call to verify your identity before processing the request. Online closure is useful if you prefer written communication or if you cannot reach a branch or phone line during your available hours.
What Happens After You Close Your Account
Once Chase closes your account, you cannot use the debit card or make withdrawals. Any checks you have written that have not yet cleared may bounce, so contact anyone you recently wrote a check to and provide a new payment method. If you have pending direct deposits or automatic payments scheduled, they will fail and may trigger fees from the companies involved.
Chase will send you a final statement showing the closure date and any remaining balance or fees. Keep this statement for your records. If you closed a checking account that had overdraft protection linked to a savings account, that protection ends when the checking account closes.
If you later realize you need to access information from the closed account, Chase can provide statements and transaction history for up to seven years. You can request old statements by calling customer service or visiting a branch.
Closing a Chase Credit Card Account
Closing a Chase credit card works differently from closing a bank account. Call the number on the back of your card or call Chase at 1-800-935-9935 and ask to close the credit card account. You must pay off the full balance before closure. Chase will not close a credit card with an outstanding balance.
After you close a Chase credit card, the account will still appear on your credit report for up to 10 years, but it will show as closed. This does not harm your credit score, though closing a card does reduce your total available credit, which can slightly affect your credit utilization ratio. If you want to close a credit card and a bank account, you must contact Chase separately for each one.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a bank account does not affect your credit score because bank accounts do not appear on your credit report. Closing a Chase credit card may have a small impact because it reduces your total available credit, but the effect is usually minor and temporary.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closing one. However, if you closed the account due to a negative balance or other issue, Chase may review your banking history before opening a new account. There is no waiting period to open a new account when ready after closure.
What if I have pending checks or automatic payments when I close my account?
Any checks that have not cleared will bounce, and any automatic payments scheduled will fail. Cancel automatic payments before you close the account, and contact anyone you recently wrote a check to with a new payment method. This prevents late fees and returned payment notices.
Do I need to destroy my debit card after closing my account?
You should cut up or shred your debit card after the account closes to prevent accidental use or fraud. The card will no longer work once the account is closed, but destroying it removes any risk of confusion or misuse.
How long does it take for a Chase account to fully close?
Most Chase accounts close within one to three business days after you request closure. If you close by phone or in person, the closure is processed when ready, but it may take a few days for the system to fully deactivate the account. You will receive confirmation once the closure is complete.