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 linked credit cards. Before you start, make sure your account balance is zero (or negative, meaning Chase owes you), all pending transactions have cleared, and you know what you want to do with any remaining funds.

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 direct deposits or automatic payments. In-person closure at a Chase branch works the same way and gives you a paper record. Online closure through the Chase app or website is available for some account types but may require you to call if complications arise.

Key Takeaways

  • Call 1-800-935-9935 to close your account over the phone, or visit a Chase branch in person with your ID and account information.
  • Your account balance must be zero before closure — if money remains, Chase will mail you a check or you can transfer it to another bank.
  • Closing a checking or savings account does not close credit cards, debit cards, or other Chase products linked to your name.
  • Any automatic payments or direct deposits tied to the account will stop working, so update those with your new bank before you close.
  • Chase will send you written confirmation of the closure and a final statement showing any remaining balance or fees.

What to do before you call or visit

Stop using the account immediately. Any transactions you make after requesting closure can complicate the process and may cause the closure to be delayed or cancelled. If you have automatic bill payments set up through this account, log in and change them to your new bank account or payment method now — Chase will not forward these payments after the account closes.

Check for pending transactions. Log into your Chase account online or through the app and look at recent activity. Wait until all checks have cleared, all transfers have posted, and any pending charges have settled. If you're unsure whether something is still pending, call Chase and ask them to review the account with you.

Gather your account number and ID. Have your Chase account number, routing number, and a government-issued ID ready before you call or visit. If you're closing the account by phone, Chase will verify your identity by asking security questions or requesting information from your account.

Closing your account by phone

Call 1-800-935-9935 and tell the representative you want to close your account. They will ask you to verify your identity, confirm your account number, and review your current balance. If your balance is not zero, they will explain your options: you can request a check mailed to your address on file, transfer the money to another bank account, or leave a small balance (though Chase may charge a fee if the account stays open).

The representative will confirm which products are linked to your account — checking, savings, credit cards, debit cards — and clarify that closing the checking account will not close those other products. They will also ask whether you want to keep your debit card active (some people close the account but keep the card for a short time to use up remaining funds). Once you confirm, the closure is processed immediately, though it may take a few business days to fully close in Chase's system.

Ask for a confirmation number. Write it down and ask the representative to mail you written confirmation of the closure. This protects you if a problem arises later — you have proof of when and how you closed the account.

Closing your account in person at a Chase branch

Bring your ID and your Chase debit card or account number to any Chase branch during business hours. Tell the teller or banker you want to close your account. They will pull up your account, review the balance, and walk you through the same steps as a phone closure: confirming your identity, handling any remaining balance, and clarifying which products will remain open.

In-person closure has one advantage: you can receive a check for any remaining balance on the spot, rather than waiting for it to be mailed. You also leave with a paper receipt showing the account is closed. If you have questions about what happens to direct deposits or automatic payments, the banker can usually answer them more thoroughly than a phone representative.

Closing your account online through the Chase app or website

Some Chase account types allow you to request closure through the mobile app or website. Log in, navigate to account settings or account management, and look for a "close account" or "account closure" option. Not all account types support online closure — if you don't see the option, you'll need to call or visit a branch.

Online closure usually requires you to confirm that your balance is zero and that you understand the account will close. Chase will send you an email confirmation, but you may not receive a mailed letter immediately. If you need written proof of closure for your records, call customer service after submitting the online request and ask them to mail you confirmation.

What happens to your debit card and checks after closure

Your debit card will stop working once the account closes, usually within a few business days. If you have checks linked to the account, they will be rejected if anyone tries to cash them after the closure date. Destroy any remaining checks or debit cards to prevent fraud.

If you requested to keep your debit card active after closing the account (which some people do to use up remaining funds), Chase will deactivate it on a date they specify. Ask the representative when this will happen so you're not surprised when the card stops working.

Handling direct deposits and automatic payments

Before you close the account, update any direct deposits — paychecks, government benefits, tax refunds — with your new bank's routing and account number. This usually takes one to two pay cycles, so start the process at least a week before you plan to close the Chase account. If a deposit arrives after the account closes, Chase will return it to the sender, and you'll have to contact them to resubmit it to the correct account.

Similarly, change any automatic bill payments, subscription charges, or recurring transfers to your new bank account. Log into each service (your utility company, insurance provider, streaming service, etc.) and update the payment method. Do not rely on Chase to forward these payments — they will fail, and you may be charged late fees by the companies you owe.

What to do if you have a Chase credit card

Closing a checking or savings account does not close your credit card. If you want to close the credit card as well, you'll need to contact Chase separately. Call the number on the back of your credit card or call 1-800-935-9935 and ask to speak with the credit card department.

Before closing a credit card, pay off any balance in full. Closing a card with an outstanding balance does not erase the debt — you'll still owe it, and Chase will continue to charge interest. Also consider the impact on your credit score: closing a credit card reduces the total credit available to you, which can lower your score slightly.

Frequently Asked Questions

How long does it take for my Chase account to fully close?

The closure is processed immediately when you call or visit, but it may take three to five business days for the account to fully close in Chase's system. During this time, any pending transactions may still post. Once the account is fully closed, you will not be able to access it online or through the app.

What if I have a negative balance when I close my account?

If your account is overdrawn (negative balance), Chase will deduct the amount owed from any funds you have in other Chase accounts, or they will send you an invoice. You must pay this balance before the account can close. If you dispute the charges that created the negative balance, contact Chase before requesting closure.

Can I reopen a closed Chase account?

Chase does not reopen closed accounts. If you change your mind, you'll need to open a new account, which may take a few business days. Your old account number will not be reused, and any linked services (direct deposits, automatic payments) will need to be updated with the new account number.

What if I close my account but still receive mail from Chase?

After closure, you may receive a final statement or promotional mail for a few weeks. This is normal. If you receive bills or notices about an outstanding balance, contact Chase immediately — it may indicate a problem with the closure or a charge that posted after you closed the account.

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

You can close your account entirely by phone. In-person closure is not required, though some people prefer it for the immediate check or paper receipt. Phone closure is faster and just as final.