How to close a Chase account

You can close a Chase checking or savings account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app. The fastest method is usually a phone call — you'll reach someone within minutes, confirm your identity, and have the account closed the same day. If you go to a branch, bring a photo ID and your account number. The app option works if you have online banking set up, though you may still need to call to confirm.

Before you close, make sure any pending deposits or automatic payments have cleared. Chase will not close an account with an outstanding balance, and if you close before a scheduled payment posts, you could miss a bill. Also check whether you have a linked savings account or credit card — closing a checking account does not automatically close other products.

You do not need a reason to close, and Chase does not charge a fee to do it. The process takes a few minutes on the phone or in person. If you have a Chase credit card, that account stays open unless you close it separately.

Key Takeaways

  • Call Chase at 1-800-935-9935 (the number on your debit card) to close an account over the phone, which is usually the fastest option.
  • Visit a Chase branch with your photo ID and account number to close in person, or use the mobile app if you have online banking set up.
  • Make sure all pending deposits have posted and automatic payments have cleared before you close, or you may miss a bill or lose a deposit.
  • Closing a checking or savings account does not close a linked credit card or savings account — you must close those separately if you want to.
  • Chase does not charge a fee to close an account, and the process typically completes the same day you request it.

Closing by phone

Call the customer service number on the back of your debit card or Chase statement. Have your account number and a photo ID ready. The representative will ask you to confirm your identity, verify the account you want to close, and confirm that you have no outstanding balance.

If you have automatic payments set up, the representative will ask what you want to do about them. You are responsible for making sure those payments move to another account or are cancelled. Chase will not automatically redirect them. Ask the representative to confirm the date the account will close — it is usually immediate, but sometimes takes one to two business days if there are pending transactions.

After the call, you will receive a confirmation letter in the mail within 7 to 10 days. Keep this letter for your records. If you had a debit card linked to the account, destroy it or call to have it deactivated.

Closing at a Chase branch

Walk into any Chase branch with your photo ID and account number. Tell a teller you want to close the account. They will verify your identity, check for any outstanding balance, and ask about automatic payments. The process takes about 10 minutes.

Bring your debit card if you have one — the teller may ask to see it or destroy it on the spot. If you do not have your account number memorized, bring a recent statement or your debit card, which has the account number printed on it.

You will receive a receipt confirming the closure. A confirmation letter will arrive by mail within 7 to 10 days. If you have pending deposits or checks that have not cleared, ask the teller when those will post and whether they will go to the closed account or be returned.

Closing through the Chase mobile app

Open the Chase app and go to the account you want to close. Look for a menu or settings option — this is usually three dots or lines in the top right corner. Select "Close Account" or "Account Settings," then follow the prompts to confirm your identity and reason for closing.

The app will show you any pending transactions and ask you to confirm you have no automatic payments. If you do, you must set those up at another bank before closing. After you confirm, the app will process the closure and show you a confirmation number.

Not all Chase accounts can be closed through the app — if you do not see a close option, call customer service instead. Some accounts require a phone call or branch visit, particularly if there are complications or if the account is very old.

What happens to pending transactions and automatic payments

Any deposit or payment that has not posted by the time you close will either bounce back to the sender or post to the closed account. Chase does not redirect pending transactions. If a check or direct deposit arrives after closure, it will be returned to the sender marked "account closed." You are responsible for notifying anyone who sends you money or bills you automatically.

Before you close, log into your online banking and review your recent transactions. Look for any automatic payments scheduled in the next week or two. Call or visit the websites of companies you pay automatically — your utility, insurance, loan servicer, subscription services — and update your payment method to a new account before you close.

If you miss updating a payment and it bounces, the company may charge you a late fee or report it to your credit. Chase will not reverse the closure or hold the account open to catch a late payment.

Closing a linked savings account or credit card

Closing a checking account does not close a savings account, money market account, or credit card linked to the same login. You must close each one separately. If you want to close everything, call customer service and ask them to close all accounts at once, or close them one at a time through the app or branch.

If you have a Chase credit card, closing the checking account will not affect your credit card account or your credit score. Your credit card will stay open and you can continue to use it. To close the credit card, call the number on the back of the card or use the app.

If you have a Chase savings account linked to the checking account you are closing, decide whether you want to keep the savings account. If you do, you do not need to do anything — it will stay open. If you want to close it too, tell the representative when you close the checking account, or close it separately later.

What to do with remaining funds

Before you close, make sure your account balance is zero. If you have money in the account, you must withdraw it or transfer it to another bank. You can do this at an ATM, at a branch, through online banking, or by calling customer service.

If you have a small balance and forget to withdraw it before closing, Chase will hold the money for a set period — usually 90 days to several years depending on your state — then turn it over to your state's unclaimed property program. You can recover it, but it takes extra steps. It is easier to move the money yourself before you close.

If you are closing because you are switching banks, transfer your funds to your new bank account before you close the Chase account. This way you know the money arrived safely and you have time to update any automatic payments.

After you close your account

Your debit card will stop working immediately or within 24 hours. If you have checks printed for the account, do not use them — they will bounce. Destroy any unused checks or write "account closed" on them.

Your account history will remain available in Chase online banking for a limited time — usually 90 days to one year. If you need records for tax purposes or to dispute a transaction, download or print your statements before you close. After the account is closed, you may not be able to access the history.

If you ever want to reopen a Chase account, you can do so, but Chase may review your banking history. If you closed an account because of overdrafts or other issues, Chase may ask you to maintain a higher minimum balance or may decline to open a new account.

Frequently Asked Questions

Can I close my Chase account if I have a negative balance?

No. Chase will not close an account with an outstanding balance, whether it is negative (you owe money) or positive (you have money in it). If your account is overdrawn, deposit money to bring it to zero, then close. If you do not, Chase will keep the account open and may charge overdraft fees until the balance is paid.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not directly hurt your credit score because Chase does not report deposit accounts to credit bureaus. However, if you close the account while it is overdrawn and do not pay the balance, Chase may report it to a collection agency, which will hurt your score. Pay any negative balance before you close.

How long does it take to close a Chase account?

The closure is usually immediate when you call or visit a branch. Your debit card stops working within 24 hours. You will receive a confirmation letter by mail within 7 to 10 days. If there are pending transactions, the account may stay open for a few extra days to let them clear.

What if I closed my account by mistake?

Call Chase customer service right away. If the account was closed within the last day or two and no transactions have posted, Chase may be able to reopen it. The longer you wait, the less likely they can reverse it. Have your account number and ID ready when you call.

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

You can close over the phone, through the app, or in person — all three methods work. Phone is usually fastest because you reach someone immediately. In person is good if you want to ask questions or if you have complications. The app works if you have online banking set up, but some accounts can only be closed by phone or in branch.