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 credit cards linked to the same login. Before you close anything, make sure your balance is zero (or positive for savings), all pending transactions have cleared, and you've set up direct deposit elsewhere if paychecks go 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 checks or automatic payments. In-person closure at a Chase branch works too, though it requires a trip and a valid ID. Online closure through the app or website is available for some account types but may have restrictions if you have an outstanding balance or active services tied to the account.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase checking or savings accounts; the process takes minutes and you'll get confirmation on the call.
  • Make sure your account balance is zero before closing, and redirect any automatic payments or direct deposits to another bank first.
  • Credit cards, money market accounts, and investment accounts require separate closure steps and cannot be closed through the same process as checking accounts.
  • After closure, keep your final statement and confirmation number in case a check clears or a merchant tries to charge the account later.
  • If you have a negative balance or outstanding fees, Chase may hold the account open until those are resolved.

Steps to close 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 ready — you can find it on a check, your debit card, or in the app. The representative will ask you to confirm your identity, usually by providing your Social Security number or answering security questions you set up when you opened the account.

Once verified, the representative will confirm your current balance and ask what you want to do with any remaining funds. If there's money in the account, they'll typically transfer it to another account you provide, or they can mail you a check. Ask them to confirm the account is closed and request a confirmation number for your records. They should also tell you when the account will be fully removed from their system — this usually takes 7 to 10 business days.

Before you hang up, ask whether any automatic payments or recurring charges are still linked to the account. If the representative finds any, ask them to help you cancel those services or move them to a different payment method. This step prevents a merchant from trying to charge a closed account later and creating confusion.

Closing your account in person at a branch

Visit any Chase branch with a valid photo ID and your debit card or account number. Tell the teller you want to close your account. They'll pull up your account, confirm your balance, and process the closure on the spot. Bring a form of payment or another bank account number if you want the remaining balance transferred rather than received as a check.

The branch closure works the same way as a phone closure — the account closes immediately, but it takes 7 to 10 business days to fully remove from Chase's system. Ask for a written confirmation or take a photo of the receipt showing the closure date. This is especially useful if you're closing because of a dispute or service issue, since you'll have a paper trail.

What to do about credit cards, money market accounts, and other products

A Chase credit card is a separate product and closing your checking account does not close the card. To close a credit card, call the number on the back of the card or call 1-800-935-9935 and ask for the credit card department. Make sure the card balance is paid in full before you request closure. After the card is closed, the account will still appear on your credit report for up to 10 years, but it will show as closed.

Money market accounts, savings accounts, and investment accounts (like Chase brokerage or retirement accounts) are also separate and must be closed individually. If you have multiple accounts, ask the representative on your first call which ones are linked to your login and which ones need separate closure requests. Some accounts may have restrictions — for example, a CD (certificate of deposit) might have an early withdrawal penalty if you close it before the term ends.

What happens to pending transactions and automatic payments

Pending transactions — charges that have been authorized but not yet posted — may still clear after your account closes. Before you close, check your recent activity in the app or online to see if anything is still pending. If a charge clears after closure, Chase will typically return it to the merchant, but this can take several days and may create confusion on both ends.

Automatic payments and recurring charges are the bigger concern. If you have a subscription, gym membership, insurance payment, or utility bill set to draft from the account, closing it will cause those payments to fail. The merchant will then try to collect through other means, which may result in late fees or service interruption. Before you close, log into each service and update the payment method to a new bank account or credit card. Ask the Chase representative to confirm no active recurring payments are on file.

Handling a negative balance or outstanding fees

If your account has a negative balance — meaning you owe Chase money — the bank may not let you close it until the balance is paid. This can happen if overdraft fees, monthly maintenance fees, or other charges pushed the account into the red. You'll need to deposit funds to bring the balance to zero before closure can be processed.

If you dispute a fee and believe it was charged in error, you can ask the representative to reverse it before closing. Chase typically reviews disputes within 10 business days, so if you're in a hurry to close, it may be faster to pay the fee and close, then file a dispute afterward. Keep your confirmation number and final statement so you can reference the closure date if the dispute goes to a supervisor.

After your account is closed

Once closed, the account number becomes inactive and cannot be used for deposits or withdrawals. However, checks written against the account before closure may still clear for up to 6 months after the account closes, depending on when they're presented. Keep your final statement and the closure confirmation number until you're confident all outstanding checks have cleared.

If a merchant or employer tries to deposit money into the closed account, the deposit will be rejected and returned to them. Make sure you've updated your direct deposit information with your employer and any other services that send you money. If you're expecting a refund or payment, provide the new account number in writing so there's no delay.

Frequently Asked Questions

Can I close my Chase account if I have a pending dispute?

Yes, you can close the account, but the dispute process may take longer if Chase needs to investigate a transaction on a closed account. It's usually better to resolve the dispute first, then close. If you do close with an open dispute, keep your confirmation number and final statement — you'll need them to follow up on the claim.

What if I have a Chase mortgage or loan?

A mortgage or personal loan is separate from your checking account and closing the account does not affect the loan. However, make sure your loan payments are set up to draft from a different account, or switch to a different payment method before you close. Contact the loan servicer directly if you're unsure which account the payments are coming from.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score because those accounts don't appear on your credit report. However, closing a credit card can have a small impact because it reduces your total available credit. The effect is usually temporary and minimal if you have other open accounts.

How long does it take for my account to be fully closed?

The closure is processed immediately when you call or visit a branch, but it takes 7 to 10 business days for the account to be fully removed from Chase's system. During this time, the account is closed to new activity but may still process pending transactions or checks that were written before closure.

Can I reopen a closed Chase account?

Chase generally allows you to reopen a closed account within a certain timeframe if you closed it yourself and there are no outstanding issues. Contact a branch or call customer service to ask whether your specific account can be reopened. If too much time has passed, you'll need to open a new account instead.