You can close a Chase checking or savings account online through your Chase account dashboard, but you'll need to move your money out first and handle any outstanding checks or automatic payments

Chase lets you close most deposit accounts (checking, savings, money market) through their website or mobile app without calling or visiting a branch. The process takes a few minutes once your account balance is zero. However, Chase won't let you close an account that still has money in it, so your first step is always to transfer or withdraw your funds to another bank or account.

The exact steps depend on whether you're closing the account yourself or asking Chase to close it for you. Both routes work online, but they have different timing and what happens to any remaining balance.

Key Takeaways

  • You must move all money out of the account before Chase will close it — the system won't let you proceed with a balance remaining.
  • Before closing, check for automatic bill payments, direct deposits, or pending checks linked to that account and redirect them elsewhere.
  • You can initiate closure through your Chase online banking dashboard under account settings, or contact Chase through find message to request they close it.
  • Closed accounts stay on your credit report for up to 10 years, which does not hurt your credit score but shows your account history to lenders.
  • If you have a Chase credit card, closing a bank account does not affect that card — they are separate products.

Steps to close your account through Chase online banking

Log into your Chase account on their website or mobile app. Navigate to the account you want to close — you'll see it listed under "Accounts" or "My Accounts" depending on which platform you're using. Select that account and look for a settings or menu icon (usually three dots or a gear symbol).

From the account menu, look for an option labeled "Close Account," "Account Settings," or "Manage Account." The exact wording varies slightly between the website and app. Click or tap that option. Chase will show you a confirmation screen that lists the account number, account type, and current balance. If the balance is not zero, you cannot proceed — you'll see a message telling you to withdraw or transfer the remaining funds first.

Once the balance is zero, Chase will ask you to confirm the closure. They may ask why you're closing the account (the answer is optional). Review the information one more time, then confirm. You should see a confirmation message when ready, and Chase will send you an email receipt. The account closes within one to three business days.

What to do before you close the account

Before you initiate closure, spend a few days watching the account for any activity you might have forgotten about. Check whether you have automatic bill payments set up — utilities, insurance, subscriptions, loan payments, or anything else that drafts from this account. You'll need to update each one to pull from a different account or payment method, or cancel the service if you no longer need it.

Check whether you have direct deposit set up to this account. If you do, you'll need to contact your employer's payroll department and provide them with your new account number before you close this one. If you miss this step, your next paycheck may be delayed or rejected.

Look at your recent checks. If you've written any checks that haven't cleared yet, wait until they do before closing the account. If you close the account while a check is still pending, the check may bounce when it arrives at the bank. You can call Chase to ask whether specific checks have cleared, or wait 10 to 14 days after writing them.

Transfer or withdraw all remaining money. You can transfer funds to another bank account (yours or someone else's) using Chase's transfer feature, or withdraw cash at a Chase ATM or branch. Some people move the money to another Chase account they own, then close the original one.

Closing the account by contacting Chase directly

If you prefer not to close the account yourself through the online dashboard, you can ask Chase to close it for you. Log into your Chase account and use the "Contact Us" or "find Message" feature to send a message to Chase asking them to close the account. Include the account number and confirm that the balance is zero.

Chase will respond within one to two business days to confirm they've closed the account. This route takes slightly longer than closing it yourself online, but some people prefer it because they have a written record of the request. You'll still need to move your money out first — Chase won't close an account with a balance regardless of how you ask.

You can also call Chase customer service at the number on the back of your debit card, but calling takes longer than the online methods and requires you to verify your identity over the phone. If you're already logged into your account online, the find message route is usually faster.

What happens to your account history after closure

Closed accounts remain on your credit report for up to 10 years from the date of closure. This does not lower your credit score — in fact, closed accounts with a positive history (no missed payments, no overdrafts) can help your credit because they show you've managed credit responsibly. Lenders can see that you had the account and that it was closed in good standing.

You can still access your closed account statements through Chase online banking for a limited time after closure, usually 24 months. After that, you may need to contact Chase to request older statements. If you think you might need statements later, read them to your computer before you close the account.

If you have a Chase credit card, closing a bank account does not affect it. Bank accounts and credit cards are separate products in Chase's system. Your credit card will continue to work normally, and your credit card statements will not be affected.

If you can't close the account online

Some Chase accounts cannot be closed online. If you have a joint account, both account holders usually need to agree to the closure. If one person wants to close it and the other doesn't, you may need to contact Chase by phone to discuss options — sometimes one person can be removed from the account instead of closing it entirely.

If you have a business account, a money market account with restrictions, or an account that's part of a trust or estate, the closure process may require additional steps or documentation. In these cases, contact Chase directly through find message or by phone to ask what you need to do.

If the account has a negative balance (you owe Chase money), you cannot close it until that balance is paid. Transfer money into the account to cover the negative balance, then proceed with closure.

What to do with your old checks and debit card

Once the account is closed, stop using any checks you have from that account. If you have a stack of blank checks, destroy them or contact Chase to request they be cancelled. Checks written on a closed account will bounce.

Your debit card for that account will stop working once the account closes. You don't need to do anything special — it will straightforward be declined if you try to use it. If you want to be cautious, you can cut it up or destroy it, but it's not necessary. Chase will not reissue a card for a closed account.

Frequently Asked Questions

How long does it take to close a Chase bank account?

If you close it yourself online, the account closes within one to three business days. If you ask Chase to close it through find message, it takes one to two business days for them to respond and process the closure. The actual closure happens within a few days after that.

Can I reopen a Chase account after I close it?

Yes. You can open a new Chase account at any time, even if you recently closed one. However, if you closed the account due to a dispute or problem with Chase, they may review your history before approving a new account. Most people who close and reopen accounts have no issues.

What if I close my account and then realize I need it?

Contact Chase when ready. If the account was closed very recently (within a few days), Chase may be able to reopen it. The longer you wait, the less likely they can restore it. If they cannot reopen it, you'll need to open a new account instead.

Do I lose my account history if I close the account?

No. Your statements and transaction history remain available through Chase online banking for about 24 months after closure. read any statements you might need in the future before you close the account, since access becomes more difficult after two years.

Will closing my bank account hurt my credit score?

No. Closing a bank account does not affect your credit score. Only credit products (credit cards, loans, lines of credit) show up on your credit report. Bank accounts are not part of your credit history, so closing one has no impact on your score.