You can close a Chase account by phone, in person, or online, but the method depends on the account type and whether you want to keep other Chase products

Chase lets you close most checking and savings accounts through their mobile app, website, or by calling customer service at 1-800-935-9935. If you have a credit card, you'll need to handle that separately — closing a checking account doesn't close linked credit cards. Before you close anything, make sure you've paid any outstanding balances, transferred or withdrawn your remaining funds, and stopped any automatic payments or direct deposits tied to that account.

The fastest route is usually the phone line, where a representative can confirm your account details, process the closure immediately, and answer questions about what happens to pending transactions. If you prefer not to call, Chase's mobile app and website both offer account closure options, though the process may take a few extra days to complete.

Key Takeaways

  • Call Chase at 1-800-935-9935, use the mobile app, or log into your online account to close a checking or savings account.
  • You must have a zero balance and no pending transactions before Chase will close the account.
  • Closing a checking or savings account does not close any Chase credit cards attached to your profile.
  • After closure, Chase will mail you a final statement showing any remaining activity, usually within 30 days.
  • If you have a mortgage, auto loan, or other Chase products, closing a deposit account won't affect those separate agreements.

What you need to do before calling or logging in

Chase won't close an account that still has money in it or has pending transactions waiting to clear. Withdraw or transfer your remaining balance first — you can move funds to another bank through an external transfer, or to another Chase account if you have one. Check your recent transactions to see if anything is still processing, and wait for those to clear before you attempt closure.

Stop any automatic payments, bill pay transfers, or direct deposits that use this account. If your paycheck or a regular payment still routes to this account, change the routing information at your employer or with the company collecting the payment before you close it. Chase can't process a closure if money is scheduled to arrive or leave after the account is closed.

If you have a Chase debit card tied to this account, you can keep it active for a short period after closure, but it will stop working once the account is fully closed. Destroy the card or call Chase to have it deactivated if you want to stop using it immediately.

Closing your account by phone

Call Chase customer service at 1-800-935-9935 and tell the representative you want to close your account. Have your account number, Social Security number, and a form of ID ready — they'll verify your identity before proceeding. The representative will confirm your balance is zero, check for any pending transactions, and process the closure on the spot.

Ask the representative for a confirmation number and note the date of closure. They can also tell you when your final statement will arrive and what to do with any checks or transfers that might arrive after the account is closed. If you have questions about linked accounts or products, this is the time to ask — the representative can walk you through what stays active and what doesn't.

Closing your account through the Chase app or website

Log into your Chase account on the mobile app or at chase.com. Navigate to your account settings or account details — the exact location varies depending on whether you're using the app or website, but it's usually under "Account" or "Settings." Look for an option that says "Close Account" or "Account Services."

The system will ask you to confirm your balance is zero and will show you any pending transactions. If everything is clear, you'll be able to complete the closure request. Chase will send you a confirmation email with a reference number. The closure typically takes a few business days to process, and you'll receive a final statement by mail showing the account is closed.

If the online or app option doesn't appear, or if you get an error message, your account may have a balance, pending transactions, or a hold that prevents online closure. In that case, call customer service to resolve the issue before trying again.

What happens to linked credit cards and other products

Closing a Chase checking or savings account does not close your Chase credit cards, and those cards will continue to work normally. Your credit card account is separate from your deposit account, so the closure of one doesn't affect the other. If you also want to close a credit card, you'll need to contact Chase separately or request that closure through the credit card's account settings.

If you have a Chase mortgage, auto loan, or other credit product, closing a deposit account won't affect those either. Those loans are independent agreements and will continue as scheduled. However, if you set up automatic payments from your Chase checking account to pay a Chase loan, you'll need to update that payment method before you close the account — otherwise the payment will fail.

After your account is closed

Chase will mail you a final statement within 30 days showing the closure date and any last transactions. Keep this statement for your records. If you receive a check or transfer meant for the closed account after the closure date, Chase will return it to the sender, so make sure anyone sending you money knows your new account information.

Your closed account will remain visible in your Chase online banking for a limited time, then disappear from your active accounts list. If you need to reference the account later for tax or legal purposes, you can contact Chase to request old statements or transaction history.

If you closed the account because you're leaving Chase entirely, make sure you've transferred any automatic payments, direct deposits, or bill pay arrangements to your new bank. Update your employer, insurance companies, and any other organizations that send or receive payments from your old Chase account.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, you can open a new Chase account after closing one, but Chase may review your banking history. If you closed the account in good standing with no negative history, opening a new account is usually straightforward. If there were overdrafts, fraud, or other issues, Chase may decline or require additional steps.

What if I have a pending direct deposit or automatic payment?

Stop the direct deposit or automatic payment before you close the account. Contact your employer or the company collecting the payment and provide your new account information. If a payment arrives after closure, Chase will return it to the sender, and you'll need to resubmit it to your new account.

Do I lose my transaction history after closing?

No. Chase keeps your transaction history on file even after closure. You can request old statements by calling customer service or logging into your online account if it's still accessible. Keep your final statement for your records.

Will closing my account hurt my credit score?

Closing a checking or savings account does not affect your credit score because deposit accounts don't appear on your credit report. Only credit products like credit cards and loans show up on your credit history.

What if Chase won't let me close my account online?

If the online option doesn't work, call 1-800-935-9935. There may be a hold, pending transaction, or balance preventing online closure. A representative can identify the issue and help you resolve it before processing the closure.