You can close a Chase account by phone, in person, or online, depending on the account type

The fastest way to close most Chase accounts is to call their customer service line at 1-800-935-9935. You can also visit a Chase branch in person with your ID, or use the mobile app or website if your account type supports online closure. Chase will ask you to move any remaining balance, confirm you want to close it, and then process the closure — usually within a few business days. Some account types, like certain investment or business accounts, may require a visit to a branch or a call to a specialist line.

Before you close, make sure any automatic payments or direct deposits linked to that account are moved to another bank account. Chase will not automatically redirect them, and missed payments or lost deposits can create problems with creditors or employers. You should also verify that any pending transactions have cleared, since closing an account with outstanding checks or pending charges can complicate things.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase accounts; the process takes a few minutes and closure completes within a few business days.
  • Move all automatic payments and direct deposits to another account before closing, because Chase will not forward them automatically.
  • Visit a branch in person if you have a business account, investment account, or if you prefer to close it face-to-face.
  • Confirm your account balance is zero or that you have arranged to move any remaining funds before the closure is final.

Closing a checking or savings account by phone

Call Chase customer service at 1-800-935-9935 during business hours. Have your account number and ID ready. Tell the representative you want to close the account, and they will ask you to confirm your identity and verify the account details.

The representative will ask what you want to do with any remaining balance. If there is money in the account, you can have it transferred to another Chase account you own, mailed to you as a check, or transferred to an external bank account. Provide the routing number and account number if you are transferring to another bank. The representative will then process the closure, and you should receive confirmation within a few business days.

Closing an account in person at a Chase branch

Bring your ID and visit any Chase branch. Tell a teller you want to close the account and provide your account number. They will verify your identity and ask the same questions as a phone representative: what to do with remaining funds, confirmation that you want to close it, and whether you have any outstanding transactions.

Closing in person is useful if you have a large balance you want to withdraw in cash, if you have questions about linked accounts or services, or if you prefer to handle it face-to-face. The teller will give you a receipt confirming the closure request, though the account may take a few business days to fully close in Chase's system.

Closing an account online or through the mobile app

Some Chase checking and savings accounts can be closed through the Chase mobile app or website. Log in, go to your account settings, and look for a "Close Account" or "Account Services" option. Not all account types support online closure, so if you do not see the option, you will need to call or visit a branch.

Online closure is the fastest method if your account supports it, since you can do it anytime without waiting for business hours. You will still need to handle any remaining balance and confirm you have moved automatic payments elsewhere before submitting the closure request.

What to do with automatic payments and direct deposits before closing

This is the most important step and the one most people overlook. Before you close the account, log into every service that sends money to or takes money from that account — your employer, your insurance company, your utilities, your subscriptions, any creditors — and update the account information to your new bank account.

Chase will not forward automatic payments or direct deposits to your new bank. If you close the account and a payment tries to go through, it will be rejected. A missed insurance payment or utility bill can damage your credit or result in service interruption. A missed direct deposit means you do not get paid. Take a few days to go through your statements and update everything before you call to close.

Handling pending transactions and outstanding checks

Before closing, check your recent transactions to see if anything is still pending. Pending transactions can take several days to clear, and closing an account with pending charges can cause those transactions to fail or bounce back to the merchant.

If you have written checks that have not cleared yet, wait until they do before closing the account. You can check your Chase account online to see which checks have cleared. If you are unsure whether a check is still outstanding, wait an extra week or contact the person or business you wrote it to and confirm they have deposited it.

What happens after you close your Chase account

Once Chase processes the closure, the account number becomes inactive and cannot be used. Any remaining balance will be sent to you by the method you chose — transferred to another account, mailed as a check, or moved to an external bank. This usually takes three to five business days.

Chase will send you a final statement showing the closure date and any remaining balance. Keep this for your records. If you had a debit card linked to the account, it will stop working. If you had checks printed for that account, they will no longer be valid, so destroy any remaining checks.

Closing a business, investment, or specialty account

Business accounts, investment accounts, and some specialty accounts cannot be closed online or by phone. You will need to visit a Chase branch and speak with a business banker or specialist. Bring your business license or EIN, your personal ID, and any account documentation.

Business account closures can take longer because Chase may need to verify that all business obligations are settled and that the right person is authorized to close it. Investment accounts may require you to liquidate holdings first or transfer them to another brokerage. Call ahead to find out what documents to bring and whether an appointment is recommended.

Frequently Asked Questions

Will closing my Chase account hurt my credit?

Closing a checking or savings account does not directly affect your credit score, since those accounts do not appear on your credit report. However, if you close an account and automatic payments fail because you did not move them first, the resulting missed payments can hurt your credit. Move all automatic payments before closing to avoid this.

Can I reopen a Chase account after I close it?

Yes, you can open a new Chase account after closing one. However, if you closed the account due to overdrafts, fraud, or other problems, Chase may flag your history and deny the new account. If you closed it for routine reasons, opening a new account is straightforward.

What if I have a Chase credit card linked to the account I want to close?

Closing a checking or savings account does not close a credit card. You need to handle them separately. Make sure your credit card payments are set up to come from your new bank account before you close the old one, or switch to paying by mail or through the credit card's website.

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

Most Chase accounts close within three to five business days after you request closure. During that time, the account is still technically open but marked for closure, so do not attempt to use it. You will receive a confirmation email or letter once the closure is complete.

Can I close a Chase account if I owe money on it?

You cannot close an account that has a negative balance or overdraft. You must bring the account to zero or positive first. If you owe Chase money, you can still close the account, but you will need to pay the debt or arrange a payment plan before the closure is final.