You can close most Chase accounts through their website or mobile app without calling

Chase lets you close checking and savings accounts online through their website or the Chase Mobile app. The process takes a few minutes and requires you to transfer or withdraw your remaining balance first. You'll need your login credentials and access to the account you want to close.

Not every Chase account type can be closed online — some business accounts and credit products require a phone call to a representative. If you're closing a checking or savings account for personal use, the online method works. If you hit a screen that won't let you proceed, you'll need to call Chase at the number on the back of your card or visit a branch.

Key Takeaways

  • Chase lets you close checking and savings accounts through their website or mobile app by logging in and navigating to account settings.
  • You must move or withdraw all money from the account before closing it — Chase will not close an account with a balance.
  • If you have pending transactions or automatic payments linked to the account, resolve those first to avoid overdraft fees or failed payments.
  • After you close the account, Chase sends a confirmation letter to your mailing address within one to two weeks.
  • Business accounts and credit cards typically cannot be closed online and require a phone call to Chase customer service.

Steps to close your account through the Chase website

Log into your Chase account at chase.com using your username and password. Once you're logged in, look for "Account Settings" or "Profile" — the exact location varies depending on whether you're using the full website or mobile app, but it's usually in a menu at the top right or bottom of the screen.

Find the account you want to close in your account list. Click or tap on it, then look for an option labeled "Close Account," "Manage Account," or "Account Options." Chase will show you the current balance and ask you to confirm you want to proceed. If your account has money in it, Chase will stop you here and tell you to withdraw or transfer the funds first.

Once the balance is zero, return to the same screen and complete the closure. Chase will ask you to confirm your decision one more time. After you submit, you'll see a confirmation message on screen. Write down or screenshot the confirmation number — you may need it if you have questions later.

What to do with your remaining balance before closing

You have two options: transfer the money to another account or withdraw it in cash. If you're moving to a different bank, transfer the funds to your new account a few days before you plan to close. If you're keeping money at Chase in another account, you can transfer between your own accounts instantly through the website.

If you prefer cash, visit a Chase branch or use an ATM to withdraw everything. Some people withdraw a small amount and leave it, thinking they can close the account later — Chase won't let you. The account must have exactly zero dollars to close.

Cancel automatic payments and pending transactions first

Before you close the account, check for any automatic payments or recurring charges tied to it. These include subscriptions, bill payments, insurance premiums, or direct deposits. If a payment tries to go through after you close the account, it will fail and may trigger overdraft fees or cause a service interruption.

Log into each service that pulls money from this account — your utility company, insurance provider, streaming services, or employer's payroll system — and update the payment method or cancel the service. This takes time, so plan to do it at least a week before you close the account. If you miss one, the company will contact you about the failed payment, and you'll have to update it then.

What happens after you close the account

Chase will send you a written confirmation to the address on file within one to two weeks. The account closes immediately after you submit the request online, but the confirmation letter is your proof that it's closed. Keep this letter in case you need to show that the account is no longer active.

If you closed the account because of fraud or unauthorized activity, report it to Chase through the same account settings menu before closing. Chase has a fraud claim process that can take 30 to 60 days, and closing the account doesn't stop the investigation — it just means you won't be able to log in to monitor it.

When you need to call Chase instead of closing online

Business accounts, credit cards, money market accounts, and some savings products cannot be closed through the website. If you try to close one of these and the option doesn't appear, call Chase at 1-800-935-9935 (the number is also on the back of your card). Have your account number and ID ready.

If you're closing a credit card, note that closing it immediately after paying it off can affect your credit score slightly because it reduces your available credit. There's no penalty for closing a card, but waiting a month or two after you pay the balance to zero gives your score time to stabilize first.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, but Chase may treat it as a new account. If you closed it in good standing with no fraud or overdraft issues, you can open another account. Chase may ask you to wait 30 days before reopening, depending on the reason you closed it. Contact Chase directly to ask about their current policy.

What if I have a pending check or transfer that hasn't cleared yet?

Wait for it to clear before closing the account. If you close the account while a check is still pending, it may bounce when it tries to clear, and the person who wrote it will be notified of the failed payment. Check your recent transactions to see what's still in progress.

Will closing my Chase account hurt my credit?

Closing a checking or savings account does not affect your credit score. Only credit products like credit cards, loans, and lines of credit appear on your credit report. Closing a debit account is purely a banking decision with no credit impact.

Do I need to close my account in person at a branch?

No. If the online option works for your account type, you can close it entirely from home. You only need to visit a branch if the website won't let you close the account or if you prefer to do it face-to-face.

What if Chase won't let me close the account online?

Call Chase at the number on your card. Some account types and situations require a phone call. A representative can close the account over the phone and explain why the online option wasn't available for your specific account.