Close your Chase account by phone, online, or in person

You can close a Chase bank account through three routes: calling Chase customer service, visiting a branch in person, or using Chase's online banking portal. The fastest method is usually a phone call to the number on the back of your debit card or in your Chase account settings. Chase will ask you to confirm your identity, verify that you have no pending transactions, and direct any remaining balance to another account or issue a check.

Before you close, make sure all automatic payments and direct deposits are redirected. Chase will not automatically transfer these to a new account, and missed payments or lost deposits can damage your credit or cause overdraft fees elsewhere. The account closes within one to three business days after you initiate the request, though Chase may hold the account open longer if there are outstanding checks or pending transactions.

Key Takeaways

  • Call the number on your debit card or log into your Chase account to find the customer service number for your account type.
  • Redirect all automatic bill payments and direct deposits before closing, or they may fail and trigger fees or missed payments.
  • Request that Chase mail any remaining balance as a check or transfer it to another bank account you control.
  • The account closes within one to three business days, but Chase may delay if checks are still pending or transactions are in progress.
  • Keep your account open for at least 30 days after closing if you expect any final statements or refunds from merchants.

Step 1: Redirect automatic payments before closing

Log into your Chase account online or call customer service to review all automatic payments and recurring charges. This includes utility bills, insurance premiums, subscription services, loan payments, and any other regular transfers. Write down the payee name, payment amount, and due date for each one.

Contact each payee directly and provide them with your new bank account number and routing number, or update the payment method in their online portal. Do not rely on Chase to notify them. If you miss redirecting a payment, the payee will attempt to withdraw from your closed account, the transaction will fail, and you may face late fees or service interruptions. Allow at least one full billing cycle (usually 30 days) before closing the account to confirm all payments have switched successfully.

Step 2: Redirect direct deposits to your new account

If your employer, government agency, or other organization deposits money directly into your Chase account, you must update your banking information with them before closing. Contact your payroll department, benefits administrator, or the relevant agency and request a form to change your direct deposit account.

Provide your new bank's routing number and your new account number. Ask for written confirmation that the change has been processed. Direct deposits typically take one to two pay cycles to update, so make this change at least two weeks before you plan to close your Chase account. If a deposit arrives after your account closes, Chase will return it to the sender, and you may face delays in receiving the money.

Step 3: Settle your account balance

Confirm that your account has a zero balance or a credit balance (money owed to you). If you have an outstanding balance on a Chase credit card, you must pay it in full before closing. For a checking or savings account, any remaining balance will be returned to you.

When you close the account, tell Chase how you want to receive any remaining balance. You can request a check mailed to your address, or ask them to transfer the funds to another bank account. Provide the routing number and account number if you choose a transfer. A check typically arrives within five to seven business days. A transfer to another bank may take one to three business days.

Close your account by phone

Call the customer service number on the back of your debit card or in your Chase account settings. Have your account number, Social Security number, and a government-issued ID ready. Tell the representative you want to close your account.

Chase will confirm your identity, ask whether you have any pending transactions or outstanding checks, and verify that automatic payments have been redirected. They will ask how you want to receive your remaining balance. The representative will provide a confirmation number and tell you when the account will close. Write down the confirmation number and the closing date. Ask the representative to send you a written confirmation by email or mail.

Close your account in person at a branch

Visit a Chase branch with a government-issued ID and your debit card or account number. Tell a teller or banker that you want to close your account. They will verify your identity and ask the same questions as a phone representative: whether you have pending transactions, whether automatic payments are redirected, and how you want to receive any remaining balance.

The teller will provide a receipt with a confirmation number and the closing date. Ask for a written statement showing the account closure and your final balance. If you have a large remaining balance, the teller may offer to issue a cashier's check on the spot instead of mailing a personal check. This is faster and safer than waiting for mail.

What happens after you close your account

Your account will close within one to three business days. Chase will continue to process any checks you wrote before closing, so do not be surprised if checks clear after the account is closed. This is normal and does not reopen the account.

Keep your account open for at least 30 days after requesting closure if you expect any final statements, refunds from merchants, or other deposits. Some merchants take weeks to process refunds, and they will send the money to the account on file. If the account is closed, the refund will be returned to the merchant, and you will have to contact them to request a reissue.

Chase will not charge you a fee to close the account. However, if your account goes negative before closing (you owe Chase money), they will deduct the amount from your remaining balance or send you a bill. If you have a Chase credit card, closing your checking or savings account does not close the credit card.

Frequently Asked Questions

Can I close my Chase account online?

Chase does not offer account closure through its online banking portal. You must call customer service or visit a branch in person. Some banks allow online closure, but Chase requires a phone call or in-person visit to confirm your identity and may support all pending transactions are settled.

What if I have checks that haven't cleared yet?

Chase will continue to process checks after your account closes. The checks will clear normally, and the money will be deducted from your remaining balance or from the account if it has already closed. This does not reopen the account. If you have many outstanding checks, ask Chase to keep the account open until they clear, or wait to close until you are certain all checks have been processed.

Do I need to close my Chase credit card when I close my checking account?

No. Closing a checking or savings account does not affect your Chase credit card. Your credit card remains open unless you specifically request to close it. If you want to close the credit card as well, you must make a separate request and pay off any balance first.

How long does it take to close a Chase account?

Most accounts close within one to three business days after you request closure. If you have pending transactions, outstanding checks, or other holds, Chase may delay closure until those are settled. Ask the representative for a specific closing date when you make the request.

What if I closed my account and a payment still tried to go through?

If a payment attempts to withdraw from your closed account, the transaction will fail and be returned to the payee. You will not be charged a fee by Chase, but the payee may charge you a late fee or service interruption fee. Contact the payee when ready and provide your new account information so they can retry the payment. This is why redirecting payments before closing is critical.