You can close most Chase accounts online through the mobile app or website, but some account types require a phone call or branch visit
Chase lets you close checking and savings accounts through their mobile app or website without going to a branch. You log in, navigate to account settings, and request closure. The process takes a few minutes, though the actual closure may take several business days to complete. Some account types — like business accounts, credit cards, and investment accounts — cannot be closed online and require you to call or visit a branch in person.
Before you close any account, you need to handle a few practical things: move your money out, set up direct deposit elsewhere if you use it, and make sure no automatic payments are still pulling from that account. Chase will not close an account with an outstanding balance or pending transactions.
Key Takeaways
- Checking and savings accounts can be closed online through the Chase mobile app or website, but the closure takes several business days to process.
- You must have a zero balance and no pending transactions before Chase will close your account.
- Credit cards, business accounts, and investment products must be closed by phone or in person at a branch.
- If you have automatic payments or direct deposits linked to the account, you need to change those before closing.
How to close a checking or savings account online
Open the Chase mobile app or go to Chase.com and log in. Tap or click on the account you want to close. Look for "Account Settings" or "Manage Account" — the exact wording varies depending on whether you are using the app or website. Select the option to close the account.
Chase will ask you to confirm that you want to close it and may ask why. Answer the questions and submit your request. You will get a confirmation number. The account will not close immediately — Chase typically takes 5 to 10 business days to finalize the closure after you submit the request online.
If you have a balance remaining in the account when you request closure, Chase will not process it. You must withdraw or transfer all funds first. The same applies if there are any pending transactions — Chase needs those to clear before the account can close.
What you need to do before closing
Transfer or withdraw all your money. If you are moving to another bank, transfer your balance to that account. If you want cash, withdraw it at a Chase ATM or branch. Chase will not close an account with money in it.
Stop any automatic payments that draw from this account. Log into each service or company that pulls money from this Chase account — your insurance company, utility provider, subscription services, anything — and update the payment method to a different account or card. If you do not do this, payments will fail once the account closes, and you may face late fees or service interruptions.
Change your direct deposit. If your paycheck or benefits deposit into this Chase account, contact your employer or the benefits administrator and provide them with your new account number at another bank. Direct deposits to a closed account will bounce back to the sender, and you may miss a payment.
Wait for pending transactions to clear. If you have checks you wrote that have not cleared yet, or charges that are still processing, wait for those to complete before requesting closure. Closing an account with pending activity can cause problems for both you and the merchant.
Account types that require a phone call or branch visit
Chase credit cards cannot be closed online. You must call the number on the back of your card or visit a branch. The same is true for business checking and savings accounts — those require a call to the business banking line or a visit to your local branch.
Investment accounts, brokerage accounts, and any account linked to Chase wealth management services also cannot be closed through the app or website. Call the number associated with that service or visit a branch that handles investments.
If you are unsure whether your account type can be closed online, log in and look for the close account option. If it is not there, you will need to call or visit in person.
What happens after you request closure
Once you submit your closure request, Chase sends a confirmation to the email address on file. Check your email for this confirmation and keep the confirmation number they provide. The account will remain open for several business days while Chase processes the request and ensures all transactions have cleared.
During this time, you can still access the account if you need to. If you change your mind, you can cancel the closure request through the app or website, or by calling Chase. After the account fully closes, you will no longer be able to log in or access it.
If you had a debit card linked to this account, it will stop working once the account closes. If you need a new debit card for your new bank account, request one from that bank before closing your Chase account so you have it ready to use.
If you cannot close your account online
Call Chase at the number on your statement or debit card. Have your account number ready. A representative can close most accounts over the phone, including business accounts and credit cards. The process is similar: they will confirm your balance is zero, check for pending transactions, and process the closure request.
You can also visit a Chase branch in person. Bring your ID and debit card. A banker can close your account on the spot and answer questions about what happens next. This is often the fastest route if you have a complicated account or multiple linked services.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because those accounts do not appear on your credit report. Closing a Chase credit card can have a small impact because it reduces your total available credit, but the effect is usually temporary and minor. Your payment history matters far more than the number of open accounts.
What if I have a pending check that has not cleared?
Wait for the check to clear before closing the account. If you close the account before the check clears, the check may bounce when it arrives at the bank. If this happens, the person who wrote the check will face a fee, and you may face legal trouble. Contact the person who wrote the check and ask them to reissue it to your new account instead.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closing one. However, if your account was closed due to fraud, excessive overdrafts, or other policy violations, Chase may not let you open a new account right away. If you closed it normally, you can open a new account whenever you want.
How long does it take for my money to arrive if I transfer it before closing?
Transfers between Chase accounts are usually instant. Transfers to another bank take 1 to 3 business days depending on the receiving bank. Plan your transfer so the money arrives before you request closure, or wait until after the transfer clears to close the account.
Do I need to close my account in person if I have a joint account?
If the account is joint, both account holders typically need to agree to close it. Call Chase or visit a branch to confirm the process for your specific account. Some joint accounts can be closed online if both owners have access to the account and approve the closure.