You can close most Chase accounts online through your account settings, but savings accounts and some specialty products require a phone call
Chase lets you close checking accounts through their website or mobile app without visiting a branch. The process takes a few minutes and you can do it from home. However, if you have a savings account, money market account, or certain specialty products, you'll need to call Chase customer service at 1-800-935-9935 to complete the closure.
Before you close, make sure your account balance is zero. If you have a positive balance, transfer the money to another account first. If you're overdrawn, you'll need to deposit funds to cover the negative balance. Chase will not close an account with an outstanding balance.
Key Takeaways
- Checking accounts can be closed online through the Chase website or mobile app, but savings accounts must be closed by phone.
- Your account balance must be zero before closure — transfer out any remaining funds and cover any overdrafts first.
- Close any linked accounts (like overdraft protection) before closing your main account to avoid complications.
- After closure, keep your account number and final statement for your records in case of future disputes or tax questions.
Steps to close a checking account online through Chase.com
Log into your Chase account on their website. Click on the account you want to close, then look for "Account Services" or "Settings" — the exact location varies depending on your account type. Select "Close Account" or "Account Closure" from the menu.
Chase will show you a confirmation screen listing the account number and current balance. Review this information carefully. If the balance is not zero, you cannot proceed — go back and transfer or withdraw the remaining funds. Once the balance is confirmed as zero, click "Close Account" to complete the request.
You'll receive a confirmation number on screen. Write this down or take a screenshot. Chase will also send you a confirmation email within a few minutes. The account closure is usually processed within one to three business days, though it may take longer if there are pending transactions.
Closing a Chase checking account through the mobile app
Open the Chase mobile app and sign in. Tap the account you want to close, then select the menu icon (three horizontal lines) in the upper right corner. Scroll down and look for "Account Services" or "Settings," then tap "Close Account."
The app will display your account number and current balance. Confirm the balance is zero before proceeding. If it's not, close the app, transfer your money, and try again. Once you confirm, tap "Close Account" to submit your request.
You'll see a confirmation number on your screen. The app will also send you a confirmation notification. Like the website process, closure typically takes one to three business days.
Why you need to call Chase to close a savings account
Chase requires phone closure for savings accounts, money market accounts, and certain specialty accounts like CDs or investment accounts. This is a company policy, not a legal requirement — Chase simply routes these closures through their phone system.
Call 1-800-935-9935 and tell the representative you want to close your savings account. Have your account number ready. The representative will confirm your balance is zero, ask why you're closing (optional question), and process the closure over the phone. The call usually takes five to ten minutes.
Ask the representative for a confirmation number before you hang up. Request that they email you a closure confirmation as well. Like online closures, the account is typically closed within one to three business days.
What to do before closing your account
Check for any automatic payments or recurring transfers linked to the account. If bills or subscriptions are set to draft from this account, update them to pull from a different account first. Chase will not close an account with active automatic payments scheduled.
If you have overdraft protection linked to another Chase account, disable it before closing. Go to "Account Services" and look for "Overdraft Protection" settings. Turn it off, then proceed with closure. Leaving it active can prevent the account from closing or cause unexpected transfers after closure.
Review your recent statements to make sure there are no pending deposits or holds. If you deposited a check recently, wait for it to fully clear before closing. Pending transactions can delay closure or cause the account to reopen temporarily.
What happens after your Chase account closes
Once closed, you cannot use the account for deposits or withdrawals. Any checks you've written that haven't cleared yet may bounce, so notify anyone you've written checks to that the account is closed. If a check does bounce, Chase will charge a returned check fee.
Chase will send you a final statement showing all activity up to the closure date. Keep this statement for your records — you may need it for tax purposes or to dispute any charges that appear after closure. Your account number remains inactive but on file with Chase, so if someone tries to use it fraudulently, you have documentation of when it closed.
If you had a debit card linked to the account, it will stop working immediately. You don't need to do anything with the card — it will simply decline at any point of sale. If you want to physically destroy it, you can cut it up, but this is optional.
Troubleshooting common closure problems
If the "Close Account" option doesn't appear online, your account likely has a balance, pending transactions, or linked services that need to be removed first. Go back to your account details and check the balance again. If it shows zero but the option still doesn't appear, call Chase at 1-800-935-9935 to ask why the account cannot be closed online.
If you see an error message saying "Account cannot be closed at this time," there may be a hold on the account, a pending direct deposit, or a linked service preventing closure. The Chase representative can identify the specific issue and walk you through removing it.
If your account closure was submitted but you're not sure it went through, log back in and check whether the account still appears in your account list. If it's gone, the closure was successful. If it's still there, the closure may have failed — try again or call Chase to confirm the status.
Frequently Asked Questions
Do I have to visit a Chase branch to close my account?
No. Checking accounts close entirely online or through the app. Savings accounts and specialty products require a phone call, but you don't need to go to a branch. If you prefer to close in person, you can visit any Chase branch, but it's not necessary.
Will Chase charge me a fee to close my account?
Chase does not charge a fee to close an account. However, if your account is overdrawn when you try to close it, you'll need to deposit funds to cover the negative balance. Some Chase accounts have monthly maintenance fees — if you close mid-month, you may still owe the fee for that month.
What if I have a pending direct deposit scheduled for the day I close my account?
Do not close your account if a direct deposit is scheduled to arrive within the next few days. The deposit may bounce or be returned to the sender. Wait until the deposit clears, then close the account. If you close before the deposit arrives, contact your employer or the deposit sender to redirect it to your new account.
Can I reopen a Chase account I just closed?
Yes, you can reopen a closed account, but Chase treats it as a new account opening. You'll go through the same verification process as a new customer. There's no waiting period — you can reopen immediately if you change your mind, though it may take one to two business days to process.
What if I closed my account but a check I wrote hasn't cleared yet?
The check will bounce and the recipient will be notified. You'll be charged a returned check fee by Chase. Contact the recipient and ask them to resubmit the check to your new account, or send them a cashier's check instead. If the check was for a bill payment, call the company directly to make an alternative payment.