How to close a Chase account
You can close a Chase checking or savings account by phone, in person at a branch, or through the Chase mobile app. Chase does not charge a fee to close an account. Before you close, withdraw or transfer any remaining balance, set up direct deposit elsewhere if paychecks go to that account, and stop any automatic payments or transfers linked to it. The account will be closed within one to three business days after you request it.
Chase will send you written confirmation of the closure by mail. If you have a debit card attached to the account, it will stop working once the account closes. If you owe Chase money — overdraft fees, negative balance, or other debt — they may hold the closure or use remaining funds to cover what you owe.
Key Takeaways
- You can close a Chase account by calling 1-800-935-9935, visiting a branch in person, or using the Chase mobile app.
- Withdraw or transfer your money and cancel any automatic payments before you close, so you do not lose access to funds or miss bill payments.
- Chase will send written confirmation of closure by mail within one to three business days.
- If you have an outstanding balance or owe fees, Chase may delay closure or deduct what you owe from remaining funds.
- A closed account will appear on your credit report for up to seven years, but does not harm your credit score straightforward by being closed.
Close your account by phone
Call Chase customer service at 1-800-935-9935. Have your account number and a form of ID ready. A representative will verify your identity, confirm you want to close the account, and ask whether you want to close just that account or multiple accounts if you have them.
The representative will tell you the current balance and ask what you want to do with any remaining money — you can request a check by mail, a transfer to another bank account, or a withdrawal at a branch. They will also ask about any pending transactions or automatic payments. Once you confirm, the account closes when ready, though it may take one to three business days to fully process.
Keep the confirmation number the representative gives you. You will receive a written confirmation letter in the mail within 7 to 10 business days.
Close your account in person at a Chase branch
Visit any Chase branch with a photo ID and your debit card or account number. Tell a teller you want to close the account. They will verify your identity, show you the current balance, and ask how you want to receive any remaining funds — as a check, a transfer to another account, or cash if the amount is reasonable.
The teller will process the closure on the spot. You will receive a receipt and a written confirmation letter by mail. This method is fastest if you want to withdraw cash when ready or if you prefer to handle it face-to-face.
Close your account through the Chase mobile app
Open the Chase mobile app and log in. Go to the account you want to close, tap the menu icon (three horizontal lines), and look for "Close account" or "Account settings." Follow the prompts to confirm your identity and review your balance.
The app will ask what you want to do with remaining funds. You can request a check by mail or arrange a transfer to another bank account. Once you confirm, the closure request is submitted. You will receive a confirmation email and a written letter by mail within 7 to 10 business days.
Not all account types can be closed through the app. If you do not see a close option, call customer service or visit a branch.
What to do before you close
Transfer or withdraw your money first. If you have a balance, decide whether you want it mailed as a check, transferred to another bank account, or withdrawn in cash at a branch. If you leave money in the account after closure, Chase will mail it to you, which can take several weeks.
Cancel or move any automatic payments or recurring transfers. Check your bills — mortgage, utilities, insurance, subscriptions — and update them with a new account number if they are set to draft from this Chase account. If you miss a payment because the account is closed, you could face late fees or service interruptions.
Stop using the debit card. Once the account closes, the card will be declined. If you have set up online bill pay through Chase, those payments will fail if they are scheduled after closure.
If you receive direct deposit, update your employer or benefits administrator with your new bank account information. Paychecks or government benefits sent to a closed account will be returned, and redepositing them can take weeks.
What happens if you have a negative balance or owe fees
If your account is overdrawn or you owe Chase overdraft fees, a negative balance, or other debt, Chase may not close the account until the debt is paid. If you request closure and have a negative balance, Chase will deduct what you owe from any funds you are receiving as part of the closure.
For example, if your account has $500 and you owe $75 in overdraft fees, you will receive $425. If your account is negative and you have no funds to cover the debt, Chase will keep the account open until you pay or may send the debt to a collection agency.
Ask the representative or teller about any outstanding balance before you close. If you dispute a fee, you can request a reversal before closing, though Chase will review it separately.
After your account closes
You will receive a written confirmation letter from Chase within 7 to 10 business days. Keep this letter for your records. The closed account will appear on your credit report for up to seven years, but closing an account does not lower your credit score — in fact, closing old accounts can sometimes slightly raise your score by lowering your total available credit.
If you closed the account because of a problem with Chase, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. If you closed it because of fraud or unauthorized activity, contact Chase fraud services at 1-800-955-9060 and file a report with the Federal Trade Commission at reportfraud.ftc.gov.
Do not throw away statements or records from the closed account. Keep them for at least three to seven years in case you need them for tax purposes, disputes, or proof of payment.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes. You can open a new Chase account at any time. However, if you closed the account because of a negative balance or fraud, Chase may review your history before opening a new one. If you were on ChexSystems (a banking history report), you may need to wait or resolve the issue first.
What if I have a Chase credit card linked to the checking account I'm closing?
Closing a checking account does not close a credit card. Your credit card will remain open and active. If you have automatic payments set up from the checking account to pay your credit card bill, update that payment method before you close the account.
How long does it take to close a Chase account?
The account closes when ready when you request it by phone, app, or in person. However, it can take one to three business days for the closure to fully process and for any remaining funds to be sent to you. You will receive written confirmation within 7 to 10 business days.
Will closing my Chase account hurt my credit?
Closing an account does not directly hurt your credit score. The account will stay on your credit report for up to seven years, but as a closed account. Closing old accounts can sometimes slightly improve your score by lowering your total available credit, though the effect is usually small.
What if I have pending transactions when I close?
Tell the Chase representative about any pending transactions before you close. Transactions that have already posted will be deducted from your balance. Transactions that are still pending may post after closure, and Chase will handle them according to their policy — usually by returning them or deducting from any refund owed to you.