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 does not close a credit card. Before you close anything, move your money out, set up direct deposit elsewhere if you need it, and make sure no automatic payments are still pulling from that account.

The fastest way is usually the phone call, which takes about 10 minutes. In-person closure at a branch works too if you have one nearby and want to hand over any debit cards or checks in person. Online closure through the app or website is possible for some account types but may not be available for all of them, and you may still need to call to confirm.

Key Takeaways

  • Call Chase at 1-800-935-9935 to close a checking or savings account; the process takes about 10 minutes and you can do it from anywhere.
  • Move all your money out of the account first, and cancel any automatic payments or direct deposits linked to it before you close it.
  • Closing a bank account does not close a Chase credit card — you must cancel credit cards separately if you want them closed.
  • Chase may ask why you're leaving; this is routine and does not affect your ability to close the account.
  • After closure, keep your final statement and confirmation number in case there are disputes about the account later.

What to do before you call or visit

Empty the account completely. Transfer or withdraw all remaining funds before you initiate closure. If there's a balance when you close, Chase will mail you a check, which can take one to two weeks. It's simpler to move the money yourself.

Stop any automatic payments or recurring charges tied to the account. This includes subscriptions, bill pay transfers, insurance premiums, or gym memberships. Log into the account online and review the last few months of transactions to catch anything you might have forgotten about. If direct deposit goes to this account, update it with your new bank before closing.

Gather your debit card and any unused checks. You don't have to return them, but if you're closing in person, bring them along. If you're closing by phone, Chase will tell you to destroy the card and checks yourself.

Closing by phone

Call 1-800-935-9935 and say you want to close your account. Chase will ask for your account number and verify your identity. They'll confirm the account balance and ask if you want any remaining funds mailed to you or transferred elsewhere. They may ask why you're closing — this is standard and won't stop the closure.

The representative will give you a confirmation number. Write it down. Ask them to email or mail a written confirmation of the closure. This protects you if there's ever a question about whether the account was actually closed.

Closing in person at a branch

Bring your ID and debit card to any Chase branch. Tell a teller you want to close the account. They'll verify your identity, confirm the balance, and process the closure on the spot. If there's money in the account, ask them to transfer it to another account or issue a check right then.

Ask for a written confirmation before you leave. This is the same protection you'd get by phone — proof that the account was closed on a specific date.

Closing through the Chase app or website

Not all account types can be closed online. Checking and savings accounts sometimes have an online closure option in the app under account settings, but it's not always available. If you see the option, follow the prompts to confirm the account is empty and that you want to proceed.

If the online option isn't there or doesn't work, you'll need to call or visit a branch. Chase's website doesn't always make this clear upfront, so don't be surprised if you start the process and hit a dead end.

What happens to your credit card

Closing a bank account has no effect on a Chase credit card. The card stays open and active unless you close it separately. If you want to close a credit card, call the number on the back of the card or go to Chase.com and find the credit card closure option in your account settings.

Closing a credit card can affect your credit score because it reduces your total available credit and changes your credit utilization ratio. If you're not in a hurry, you can leave the card open and unused instead of closing it. If you do close it, do so after paying off the balance completely.

After the account is closed

Keep your final statement and the confirmation number Chase gave you. If a charge appears on the account after closure, or if someone tries to use the account number, you'll need proof that it was closed and when.

Check your credit report a few weeks later to make sure the account shows as closed by you, not by the bank. You can view your credit report free once a year at annualcreditreport.com. If it shows incorrectly, contact Chase and ask them to correct it.

If you had overdraft protection or a linked savings account, make sure those connections are severed. Chase usually handles this automatically, but it's worth confirming.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, but it depends on how long ago you closed it and why. If you closed it recently and in good standing, Chase will usually let you open a new account. If the account was closed due to fraud or repeated overdrafts, you may have trouble. Call 1-800-935-9935 to ask whether you're able to open a new account.

What if I have a pending check or automatic payment after I close the account?

Checks and automatic payments that arrive after closure will bounce or be rejected. The sender will be notified that the account is closed. This is why you need to cancel or redirect automatic payments before closing and make sure no outstanding checks are still in circulation.

Will closing my account hurt my credit score?

Closing a bank account does not affect your credit score. Bank accounts don't appear on your credit report. Only credit cards, loans, and lines of credit do. You can close a bank account without any credit impact.

How long does it take for Chase to close the account?

The closure is immediate once you confirm it by phone or in person. The account stops accepting transactions right away. If there's a remaining balance, Chase mails a check within one to two weeks. The account itself may take a few days to fully disappear from your online banking, but it's closed as soon as you hang up or leave the branch.

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

You can close most accounts entirely by phone. In-person closure is an option if you prefer it or if you want to hand over your debit card and checks directly, but it's not required. Phone closure is faster and works just as well.