Call Chase or visit a branch to close your account

The fastest way to close a Chase account is to call the customer service number on the back of your card or statement, or to walk into a Chase branch in person. Over the phone, you will reach a representative who can process the closure when ready. In a branch, a banker can do the same and answer questions about what happens to any remaining balance or pending transactions.

Chase does not charge a fee to close an account. You can close a checking account, savings account, or both at the same time. If you have multiple accounts, you will need to close each one separately — the bank does not close them as a group.

Before you call or visit, gather your account number and any recent statements. Have a plan for what to do with any money still in the account: you can transfer it to another bank, request a check, or leave instructions for Chase to mail a check after closure.

Key Takeaways

  • Call the number on your Chase card or statement, or visit a branch in person — both methods close your account on the same day with no fee.
  • Any remaining balance will be returned to you by check or transfer, depending on what you request.
  • Pending transactions and automatic payments linked to the account may still process after closure, so contact billers directly to update payment methods.
  • Keep your account open for at least 30 days after the last transaction to avoid complications with delayed deposits or checks.
  • Request written confirmation of closure and keep it for your records in case disputes arise later.

What happens to money still in your account

If your account has a balance when you close it, Chase will return the money to you. You have two options: request a check mailed to your address on file, or ask the representative to transfer the funds to another bank account you own. A check typically arrives within 7 to 10 business days. A transfer to another bank can take 1 to 3 business days if you provide the routing and account numbers during the call or visit.

If your account is overdrawn — meaning you owe Chase money — you must pay the negative balance before closing. Chase will not close an account with an outstanding debt. You can pay over the phone with a debit card or bank transfer, or in person with cash, check, or card.

Stop automatic payments and recurring charges before closure

Any automatic payments or subscriptions tied to your Chase account may still attempt to process after you close it. Contact each company directly — your utility, insurance provider, streaming service, or loan servicer — and update your payment method to a different account or card at least one week before closure. Do not rely on the account closure alone to stop these charges.

If a payment does process after closure, Chase will return it as unpaid, and the company may charge you a late fee or suspend your service. You will then have to contact them to resolve it. Updating payment methods in advance prevents this hassle.

Pending transactions and checks you have written

Checks you have written but not yet cashed will still be valid after you close the account — they do not expire because the account is closed. However, when the check is deposited, Chase will return it unpaid because there is no active account to draw from. The person who received the check will be notified, and you will be responsible for any fees they incur or any consequences of the returned check.

If you know checks are outstanding, wait to close the account until they have cleared, or contact the recipients and ask them to deposit the checks before your closure date. Pending electronic transactions — such as debit card purchases that have not yet posted — may also complete after closure, drawing from your remaining balance or causing an overdraft fee if the balance is insufficient.

Timing: when to close and how long it takes

Closure is when ready when you call or visit a branch. The representative will process it on the spot, and your account will be closed that day. However, Chase may take several days to fully process the closure in their system, so do not be surprised if you see the account still listed online for a few days afterward.

Wait at least 30 days after your last transaction before closing if you are expecting a deposit, tax refund, or reimbursement. Some deposits take weeks to arrive, and if the account is closed, the money may be returned to the sender, requiring you to contact them and request a reissue. This is especially important if you have recently changed employers or are waiting for a government payment.

Get written confirmation of closure

Ask the representative — whether on the phone or in person — to send you written confirmation of the closure. This document should include your account number, the closure date, and the final balance. Request that it be mailed to you or, if you are in a branch, ask for a printed receipt before you leave.

Keep this confirmation for at least one year. If a company later claims you still owe money on the account, or if a check or payment is returned, you can use the closure confirmation to prove the account was closed on a specific date. It also protects you if there is a dispute about the final balance or whether funds were properly returned.

Frequently Asked Questions

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 dispute, Chase may review your history before allowing you to open another account. If you straightforward closed it for convenience, reopening is straightforward.

What if I have a Chase credit card linked to my bank account?

Closing your bank account does not close your credit card. You will need to close the credit card separately if you want to. Contact Chase credit card customer service or log into your credit card account online to request closure. Any automatic payments from your bank account to pay the credit card will stop working once the bank account is closed, so update your payment method beforehand.

Will closing my account hurt my credit score?

Closing a bank account does not affect your credit score. Bank account closures are not reported to credit bureaus. Only credit accounts — credit cards, loans, and lines of credit — appear on your credit report. Closing a Chase bank account has no impact on your creditworthiness.

What if I have a pending direct deposit scheduled?

Contact your employer or the organization sending the deposit and provide them with a new account number before your Chase account closes. If a direct deposit arrives after closure, it will be returned to the sender, and you will have to ask them to reissue it to your new account. This can delay your payment by one to two weeks, so update your information as soon as possible.

Do I need to close my account in person, or can I do it entirely by phone?

You can close your account entirely by phone. Call the number on your card or statement, and the representative will handle everything. You do not need to visit a branch unless you prefer to or have questions that require in-person information. Phone closure is just as official and final as branch closure.