Close your Chase account by calling their customer service line, visiting a branch in person, or using their online banking portal — the method depends on your account type and whether you have an outstanding balance.
Chase offers multiple ways to close an account, and the fastest route is usually a phone call. You'll need to settle any outstanding balance, transfer funds out, and stop any automatic payments linked to the account before closure. The process itself takes minutes, but the account may take several business days to fully close after you initiate it.
The specific steps vary slightly depending on whether you're closing a checking account, savings account, or credit card. Each has different requirements around pending transactions and final statements.
Key Takeaways
- Call Chase customer service at 1-800-935-9935 for checking or savings accounts, or 1-800-432-3117 for credit cards, to start the closure process.
- You must have a zero balance in the account before Chase will close it, so transfer or withdraw all remaining funds first.
- Stop any automatic bill payments, direct deposits, or recurring transfers linked to the account at least a few days before closure.
- Chase will mail you a final statement showing any remaining activity, which typically arrives within 30 days of closure.
- Closing a credit card may temporarily lower your credit score because it reduces your total available credit.
Closing a Chase Checking or Savings Account by Phone
Call Chase customer service at 1-800-935-9935 and tell them you want to close your account. Have your account number ready. The representative will confirm your identity, review any pending transactions, and verify that your balance is zero. If you still have money in the account, they'll walk you through transferring it out or withdrawing it.
The representative will also ask whether you have any automatic payments, direct deposits, or scheduled transfers tied to the account. If you do, you'll need to cancel or redirect those before the account closes. Chase won't close an account with active automatic payments because it could cause bills to go unpaid.
After you confirm closure, the account will be marked for closure but may remain open for a few more business days while pending transactions clear. You'll receive a final statement in the mail showing the exact date the account closed and any final fees or interest.
Closing a Chase Credit Card
Call the number on the back of your Chase credit card or call 1-800-432-3117. Tell the representative you want to close the account. They'll confirm your identity and check for any outstanding balance. If you have a balance, you'll need to pay it off before the account closes, though Chase may allow you to keep the account open temporarily while you pay it down.
The representative will ask whether you want to keep the card for fraud protection purposes or have them destroy it. If you ask them to destroy it, they'll note that in your account and you won't receive a replacement. If you keep it active for fraud protection, you can request a new card later if needed.
Closing a credit card removes that available credit from your credit report, which can lower your credit score slightly because it reduces your total credit limit. The impact is usually temporary and smaller if you have other open accounts with available credit.
Closing Your Account in Person at a Chase Branch
Visit any Chase branch with a valid ID and your account number. Tell a teller you want to close your account. They'll verify your identity, check your balance, and ask about any automatic payments or transfers. If your balance is zero and there are no active automatic payments, they can close the account on the spot.
If you have a balance, the teller will help you withdraw the funds or transfer them to another account. You can do this at the same time you close the account. The teller will give you a receipt showing the account is closed and provide you with information about your final statement.
Closing in person is useful if you prefer face-to-face confirmation or if you need to withdraw cash from the account immediately. It also eliminates any confusion about whether the closure request was received.
What to Do Before You Close Your Account
Before you call or visit, make a list of any automatic payments, subscriptions, or recurring transfers linked to the account. This includes utility bills, insurance payments, gym memberships, streaming services, loan payments, or any other regular charges. Log into your Chase online banking portal and review the last few months of statements to catch anything you might have forgotten.
Update each of these services with a new payment method at least three to five business days before you close the account. If you miss one and a payment tries to go through after closure, it will be rejected and may trigger a late fee or service interruption with that company.
Transfer any remaining balance to another bank account or withdraw it as cash. Chase will not close an account with any balance, even a few cents. If you have pending deposits or checks that haven't cleared yet, wait for those to post before closing.
What Happens After You Close Your Account
Your account will be marked as closed in Chase's system immediately, but it may take three to five business days for the closure to fully process. During this time, any checks or transfers you initiated before closure will still go through. After the account is fully closed, any new transactions will be rejected.
Chase will mail you a final statement within 30 days showing all activity through the closure date. Keep this statement for your records, especially if you had recurring payments or if you need to verify that funds were transferred correctly.
If you had a Chase credit card, the closed account will remain on your credit report for up to 10 years. This doesn't hurt your credit — closed accounts in good standing actually help your credit history by showing you managed credit responsibly.
Reasons Your Account Closure Might Be Delayed
Chase may hold up closure if you have a pending balance, outstanding checks, or automatic payments still linked to the account. They may also delay closure if there are fraud disputes or chargebacks under investigation. If this happens, the representative will tell you what needs to be resolved and when you can try closing again.
If you closed your account but it's still showing as open after a week, call customer service to confirm the closure went through. Sometimes the request doesn't process correctly the first time, especially if there were pending transactions at the time you called.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a checking or savings account won't affect your credit score because banks don't report these to credit bureaus. Closing a credit card may lower your score slightly because it reduces your available credit, but the impact is usually temporary and smaller if you have other open credit accounts.
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 or other issues, Chase may flag your history and require a larger opening deposit or deny the new account. If you closed it for other reasons, opening a new account is straightforward.
What if I have a pending direct deposit scheduled for after I close my account?
Direct deposits sent to a closed account will be rejected and returned to the sender. Contact your employer or the organization sending the deposit and provide your new account information at least a week before the scheduled deposit date.
Do I need to destroy my Chase debit or credit card after closing?
You should cut up or shred your card to prevent someone from using the card number, even though the account is closed. Chase doesn't require you to return the physical card, but destroying it is a good security practice.
How long does it take for Chase to close my account completely?
The closure request is processed immediately when you call or visit, but the account may remain open for three to five business days while pending transactions clear. You'll receive a final statement within 30 days confirming the exact closure date.