How to close your Chase Bank 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 or website. Chase does not charge a fee to close an account. You will need to withdraw or transfer any remaining balance before closing, and you should cancel any automatic payments or direct deposits linked to that account first.
The fastest method is a phone call to the number on the back of your debit card or on your Chase statement. A representative can walk you through the process and confirm your account is closed within minutes. If you prefer to close the account in person, bring a valid ID to any Chase branch and ask to speak with a banker.
Key Takeaways
- Chase does not charge a fee to close a checking or savings account at any time.
- You must have a zero balance in the account before Chase will close it, so transfer or withdraw all remaining money first.
- Stop any automatic bill payments, direct deposits, or recurring transfers linked to the account before you close it.
- Closing an account takes a few minutes by phone or in person, and you will receive written confirmation by mail within one to two weeks.
- If you have a Chase credit card, closing your bank account does not affect the credit card unless you used the bank account for payments.
Prepare your account before you close it
Before you contact Chase, make sure your account balance is zero. If there is money in the account, transfer it to another bank account you own, or withdraw it in cash at a Chase ATM or branch. Chase will not close an account that still holds a balance.
Next, cancel or redirect any automatic payments that were set to come out of this account. Log into your Chase account online or in the app, go to the Transfers & Payments section, and review all scheduled transfers and bill payments. If you see recurring payments, either cancel them or change the payment method to a different account. This step is important because if a payment tries to process after the account closes, it may be rejected and cause a late fee with the company you owe.
If you receive direct deposit paychecks or government benefits into this account, contact your employer or the benefits administrator and provide them with your new account number. Direct deposits cannot be redirected automatically, so you must update them manually with the source.
Close your account by phone
Call the customer service number on the back of your Chase debit card or on your most recent statement. You can also call 1-800-935-9935 for Chase personal banking. Have your account number and a form of identification ready when you call.
Tell the representative you want to close your account. They will confirm your identity, verify that your balance is zero, and ask why you are closing the account. You do not have to provide a detailed reason — "I am moving my banking elsewhere" is sufficient. The representative will process the closure and give you a confirmation number. Write down this number for your records.
After the call, you will receive a written confirmation in the mail within one to two weeks. Keep this letter in case you need proof that the account was closed for your records.
Close your account in person at a Chase branch
Visit any Chase branch during business hours with a valid government-issued ID, such as a driver's license or passport. Ask to speak with a banker or account representative and tell them you want to close your account.
The banker will pull up your account, confirm the balance is zero, and process the closure. They may ask a few questions about why you are leaving, but you are not required to answer in detail. You will receive a receipt with a confirmation number before you leave the branch.
This method works well if you have questions the representative can answer in person, or if you prefer to handle banking in person rather than by phone.
Close your account through the Chase app or website
Log into your Chase account on the website or mobile app. Not all account types can be closed online — this option is available for most checking and savings accounts, but some specialty accounts may require a phone call or branch visit.
Look for account settings or account management options, usually found under "Profile" or "Settings." Select the account you want to close and look for a "Close Account" option. Chase will ask you to confirm your balance is zero and may ask why you are closing. Complete the steps on screen, and you will receive a confirmation number.
If you do not see a "Close Account" option in the app or website, your account type may not support online closure. In that case, call customer service or visit a branch.
What happens after you close your account
Once your account is closed, you can no longer use the debit card linked to it. If you have a Chase credit card, it remains open and active — closing a bank account does not affect credit cards. You can continue to use the credit card and make payments from a different bank account.
Chase will send you a final statement by mail showing the account closure date and confirming the balance was zero when closed. Keep this statement for your records. If you had overdraft protection linked to another account, that protection ends when the account closes.
If a payment or transfer tries to process after the account is closed, it will be rejected. The company or person attempting the payment will receive a notice that the account no longer exists. This is why it is important to cancel or redirect all automatic payments before closing.
What to do if you want to reopen the account later
If you close your Chase account and later decide you want to bank with Chase again, you can open a new account. There is no waiting period or penalty for reopening. However, your old account number will not be reactivated — you will receive a new account number.
If you closed the account because of a problem with Chase service, consider contacting Chase customer service to discuss your concerns before reopening. If you closed it because you moved to a different bank, you can straightforward open a new account when you are ready to return.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a bank account does not directly affect your credit score because bank accounts do not appear on your credit report. However, if you had overdraft protection linked to a credit line, closing the account removes that protection. Your credit cards and loans remain unaffected.
Can I close my account if I have pending transactions?
Chase requires a zero balance before closing, so any pending transactions must clear first. Wait for all pending charges to post, then withdraw or transfer the remaining balance. If you are unsure whether a transaction is still pending, call customer service to confirm.
What if I have a Chase savings account and a checking account?
You must close each account separately. Call customer service or visit a branch for each account, or use the app if both accounts support online closure. Make sure both accounts have a zero balance before you close them.
Do I need to return my debit card when I close my account?
You do not have to return your debit card to Chase, but you should destroy it to prevent misuse. Cut it up or shred it. Once the account is closed, the card will not work even if someone tries to use it.
How long does it take for my account to fully close?
The closure is processed when ready when you call, visit a branch, or complete it online. You will receive written confirmation in the mail within one to two weeks. The account is considered closed as soon as the representative confirms it, even before you receive the letter.