You can close most Chase accounts online through your account settings, but the method depends on which type of account you have
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The process takes a few minutes, but you'll need to handle a few things first: make sure your account balance is zero (or close to it), set up any automatic payments to come from a different account, and wait for any pending transactions to clear. Once you start the closure, Chase typically finalizes it within 30 days.
Credit card accounts close differently than deposit accounts — Chase handles them through a separate process that you can also do online. This guide covers both, plus what to do if your account won't close through the website.
Key Takeaways
- Checking and savings accounts close through your Chase online account settings under "Profile & Settings," but your balance must be zero before you can proceed.
- You must transfer or withdraw any remaining money and stop all automatic bill payments linked to the account before closure begins.
- Chase credit cards close through your account dashboard, and the card becomes inactive when ready, though the account may stay open for reporting purposes.
- If you cannot close your account online, call Chase customer service at the number on your statement or card — some accounts require a phone call.
- After closure, keep your final statement and check your credit report within 30 to 60 days to confirm the account shows as closed.
How to close a Chase checking or savings account online
Log into your Chase account on their website or open the Chase mobile app. Go to "Profile & Settings" (usually found by tapping the menu icon or your profile picture). Look for an option labeled "Close account" or "Account closure" — the exact wording varies by app version. Chase will show you a list of your accounts; select the one you want to close.
Before you can proceed, Chase will confirm that your account balance is zero. If you have money in the account, transfer it to another bank account or withdraw it at a Chase ATM or branch. If you have pending transactions or checks that haven't cleared, wait for them to post before starting the closure process. Chase will also ask you to confirm that you've stopped any automatic payments, recurring transfers, or bill pay arrangements tied to that account.
Once you confirm these steps, Chase will process the closure. You'll receive a confirmation number on screen and by email. The account typically closes within 30 days, though it may show as "closed" in your account settings when ready.
How to close a Chase credit card online
Credit card closure works differently from deposit account closure. Log into your Chase credit card account online or through the app. Find the account settings or "Account Services" section — this is often under a menu labeled "Services" or "More." Look for an option to close the account or request account closure.
Chase will ask you to confirm that you want to close the card. The card itself becomes inactive right away, meaning you cannot use it for new purchases. However, Chase may keep the account open on their records for reporting purposes, which can actually help your credit score because it preserves your credit history and available credit. If you want the account completely removed from your credit report, you may need to call Chase directly.
After closure, cut up the physical card or destroy it securely. Do not throw it away intact. If you have an outstanding balance on the card, you'll still need to pay it — closing the account does not erase what you owe.
What to do before you close your account
Stop all automatic payments and recurring transfers at least one week before you close the account. This includes bill pay, direct deposits, automatic transfers to other accounts, and subscription charges. Log into each service that pulls money from your Chase account (utilities, insurance, subscriptions, loan payments) and update the payment method to a different bank account or credit card. If you miss this step, payments may fail and create late fees or service interruptions.
Withdraw or transfer any remaining balance. You can transfer money to another bank account online, withdraw cash at a Chase ATM, or visit a branch. Chase will not close an account with a balance, so this step is mandatory. If you have a very small balance (under $1), call Chase to ask if they can waive it or close the account anyway — policies vary.
Wait for all pending transactions to clear. If you've written checks, made debit card purchases, or initiated transfers that haven't posted yet, wait for them to show up in your account before starting the closure. Closing an account with pending transactions can cause those transactions to fail.
What happens if you cannot close your account online
Some Chase accounts cannot close through the website or app. This happens most often with business accounts, accounts with outstanding balances, accounts with pending disputes, or accounts that have been flagged for fraud concerns. If the online closure option does not appear or you get an error message, you'll need to call Chase.
Find the phone number on the back of your debit card or on your most recent statement. Have your account number and a form of ID ready. Explain that you want to close the account, and Chase will walk you through any remaining steps. If there's a hold on the account or a reason it cannot close, the representative will explain what needs to happen first.
Some accounts require a visit to a branch. If Chase tells you this, bring your ID and debit card to any Chase branch location. A representative can close the account in person and help you withdraw any remaining balance.
After your account closes
You'll receive a final statement from Chase within 30 to 60 days. Keep this statement for your records — it shows the account closure date and confirms the final balance. If you had any pending transactions or disputes, they'll be documented here.
Check your credit report 30 to 60 days after closure to confirm the account shows as closed. You can view your credit report free once per year at annualcreditreport.com, which is the official government site for credit reports. If the account still shows as open or active after 60 days, contact Chase to confirm the closure was processed.
If you closed a credit card, the closed account will remain on your credit report for up to seven years (for negative marks) or longer (for positive payment history). This is normal and actually helps your credit score by showing a long history of responsible credit use. Do not worry if the account still appears on your report — that is expected.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, but it depends on how long ago you closed it and why. If you closed it recently and in good standing, Chase may reopen it or let you open a new account when ready. If the account was closed due to fraud, excessive overdrafts, or other problems, Chase may require you to wait 90 days or longer before opening a new account. Call Chase to ask about your specific situation.
What if I have a negative balance or owe Chase money?
You cannot close an account with a negative balance. If your account is overdrawn, deposit money to bring it to zero first. If you owe Chase money from overdraft fees or other charges, you must pay that before closure. If you dispute the amount, resolve the dispute before closing.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score because those accounts do not report to credit bureaus. Closing a credit card may have a small temporary impact because it reduces your total available credit, but the effect usually fades within a few months. Keeping the account open (even if you do not use it) is better for your score, but closing it is not harmful long-term.
Do I need to close my account in person at a branch?
No, most accounts close online. You only need to visit a branch if Chase tells you the account cannot close online, or if you want to withdraw a large amount of cash at the same time. If you prefer to close in person, any Chase branch can do it for you.
How long does it take for Chase to fully close my account?
The account usually closes within 30 days of your request. It may show as closed in your online account when ready, but Chase needs time to process the closure on their backend systems. If the account still shows as open after 30 days, contact Chase to confirm the closure was completed.