Yes, you can close most Chase accounts online through your account settings or by phone
Chase lets you close checking and savings accounts through their website or mobile app without visiting a branch. You log into your account, navigate to the account settings, and request closure. The process takes a few minutes, though Chase may take several business days to process the request and return any remaining balance.
Some account types — like business accounts, credit cards, or accounts with outstanding issues — require a phone call or branch visit. If you're unsure whether your specific account can close online, checking your account dashboard first will tell you whether the option appears.
Key Takeaways
- Chase checking and savings accounts can usually be closed online through your account settings or the mobile app.
- You must have a zero balance or arrange to transfer your remaining money before closing.
- Chase processes account closures within several business days and returns any leftover funds to your linked external account or by check.
- Business accounts, credit cards, and accounts with holds or disputes typically require you to call or visit a branch.
- Closing your account does not affect your credit score, but it may affect your ability to use Chase services linked to that account.
What you need to do before closing online
Before you start the closure process, make sure your account balance is zero. If you have money in the account, transfer it to another bank account first. Chase will not close an account with a balance, and some accounts require you to withdraw or move the funds yourself rather than letting Chase handle it.
Check whether you have any automatic payments or recurring charges set to that account. If you do, update those payments to a different account or cancel them before closing. Chase may delay closure if active transactions are pending, and you could miss a payment if the account closes while a bill is trying to process.
If your account has a debit card attached, you do not need to destroy it before closing — Chase will deactivate it when the account closes. However, if you want to close the account immediately and keep using the card temporarily, you'll need to call instead of using the online method.
Steps to close your account online
Log into Chase.com or open the Chase mobile app and sign in with your username and password. Navigate to your account settings — this is usually found under a menu labeled "Settings," "Profile," or "Account" depending on whether you're using the website or app.
Look for an option that says "Close Account," "Manage Account," or "Account Services." Click or tap it, then select the specific account you want to close from your list of accounts. Chase will ask you to confirm that you want to close the account and may ask why you're closing it — this is optional feedback.
Review the confirmation screen to make sure you're closing the correct account. Once you confirm, Chase will send you a confirmation email. The account closure typically processes within 5 to 10 business days, though it can take longer if there are pending transactions or holds on the account.
What happens to your money after closure
If you have a balance remaining when you close, Chase will return it to you. The method depends on your account type and how you set it up. If you linked an external bank account to your Chase account, Chase usually deposits the remaining balance there within 5 to 10 business days.
If you did not link an external account, Chase will mail you a check to the address on file. This takes longer — typically 2 to 3 weeks — so linking an external account before closure is faster. You can update your linked account in your Chase settings before you request closure.
When you cannot close online and need to call or visit
Chase business accounts cannot be closed online and require a call to their business banking line or a visit to a branch. If you have a Chase credit card, you'll need to call the number on the back of your card to close it — credit cards are not closed through the same process as deposit accounts.
If your account has a hold placed on it (often due to fraud investigation, legal action, or an outstanding debt), you cannot close it online. You'll need to call Chase to resolve the hold first, then request closure. Similarly, if you have an outstanding balance owed to Chase, you must settle that before closing.
Joint accounts require agreement from all account holders. If you're the only person requesting closure and the account is joint, Chase may require written consent from the other account holder or a phone call to verify. Contact Chase directly if you're unsure whether your situation requires a phone call.
How closing your account affects your banking and credit
Closing a Chase checking or savings account does not hurt your credit score. These accounts are not reported to credit bureaus the way credit cards or loans are. However, closing a credit card account can affect your credit score because it changes your credit utilization ratio and the average age of your accounts.
After closure, you will no longer be able to use any debit cards, checks, or online access tied to that account. If you have automatic payments or direct deposits set up, those will fail once the account closes. Make sure you've redirected all recurring payments and income deposits before the closure processes.
If you plan to open a new Chase account later, closing your current account does not prevent you from doing so. However, if you closed the account due to overdrafts or other issues, Chase may review your banking history when you apply for a new account.
Frequently Asked Questions
How long does it take Chase to close my account after I request it online?
Chase typically processes account closures within 5 to 10 business days. If there are pending transactions, holds, or other issues, it may take longer. You'll receive a confirmation email when you request closure and another email when the account is fully closed.
Can I close my Chase account if I still owe money on it?
No. If you have an outstanding balance, overdraft fees, or money owed to Chase, you must settle that before closing. Call Chase at the number on your statement to arrange payment, then request closure once the balance is zero.
What if I close my account and then need to access it again?
Once an account is closed, you cannot reopen it. If you need banking services again, you'll have to open a new account. This is why it's important to make sure you want to close before you confirm the request.
Do I need to destroy my debit card before closing my account?
No. Chase will deactivate your debit card automatically when the account closes. You can throw it away or shred it after closure, but it's not necessary to do so before requesting closure online.
Can I close a joint account online if the other person doesn't want to?
Joint accounts typically require consent from all account holders. If you're the only one requesting closure, Chase may ask for written permission from the other person or require a phone call to verify. Contact Chase directly to find out what they need for your specific situation.