You can close most Chase accounts through their website or mobile app without visiting a branch
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 have your account number and online login ready. Before you start, make sure your account balance is zero — Chase will not close an account with money in it — and that you have no pending transactions or automatic payments still running.
The exact steps depend on whether you are closing a personal account or a business account. Personal accounts close through the same portal you use to check your balance. Business accounts require a phone call to Chase Business Banking, since Chase does not offer online closure for those accounts.
Key Takeaways
- Your Chase account balance must be zero before you can close it, so withdraw or transfer any remaining money first.
- You can close personal checking and savings accounts online through Chase.com or the Chase Mobile app, but business accounts require a phone call.
- Stop all automatic payments and direct deposits before you close, or they may fail and create problems with the companies you pay.
- Chase will send you a confirmation email after closure, and your account will be fully closed within one to three business days.
Steps to close your account through Chase.com
Log into your Chase account at Chase.com using your username and password. Navigate to the account you want to close by clicking on it in your account list. Look for a menu icon (usually three horizontal lines) or a "Settings" option within that account's page.
Select "Close Account" or "Account Services" — the exact wording varies by account type. Chase will show you a confirmation screen listing your account number and current balance. If your balance is not zero, you cannot proceed; you will need to withdraw or transfer the remaining money first. Once your balance shows zero, confirm that you want to close the account. Chase will send you a confirmation email within a few minutes.
Closing your account through the Chase Mobile app
Open the Chase Mobile app and log in. Tap on the account you want to close from your account list. Tap the menu icon (three dots or lines, depending on your phone) and look for "Account Settings" or "Close Account."
The app will walk you through the same confirmation steps as the website. You will see your account number and balance displayed. Confirm that your balance is zero, then confirm closure. You will receive a confirmation email, and the account will close within one to three business days.
What to do before you close your account
Transfer or withdraw all remaining money from the account. Even a few cents will block closure. If you have direct deposits going into this account, contact your employer or the organization sending the deposit and update your banking information. If you have automatic bill payments set up from this account, log into each biller's website and change the payment method or cancel the automatic payment.
Check your account for any pending transactions that have not yet cleared. These can take several days to process, and closing the account while a transaction is pending may cause it to fail. Wait until all pending items show as complete before you close. If you have a Chase debit card linked to this account, you can continue using it until the account officially closes, but after closure the card will stop working.
Closing a Chase business account
Chase does not allow you to close a business account online. You must call Chase Business Banking at the number on the back of your business debit card or on your business account statement. Have your account number and Tax ID ready when you call.
The representative will confirm your identity and walk you through the closure process over the phone. They will verify that your account balance is zero and that you have no outstanding checks or pending transactions. Once you close the account, you will receive written confirmation in the mail within five to seven business days.
What happens after you close your account
Chase will send you a confirmation email when ready after you request closure. The account will remain open for one to three business days while Chase processes the closure and ensures no additional transactions post to it. During this time, your debit card will stop working, and you will not be able to log into the account online.
After the account is fully closed, Chase will keep your account records for seven years. If you need a copy of your statements or transaction history, read them before you close the account. You can also request copies from Chase after closure, but you will need to call or write to their records department.
If you cannot close your account online
If the "Close Account" option does not appear in your online account settings, your account may have a hold on it, or there may be a pending issue Chase needs to resolve first. Call Chase customer service at the number on your debit card or statement. They can tell you why the account cannot close and what you need to do to remove the block.
If you have a negative balance (you owe Chase money), you must pay that amount before closure. If you have unclaimed funds or a pending lawsuit against your account, Chase will not close it until those matters are resolved. A representative can explain your specific situation and the next steps.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because Chase does not report deposit account activity to credit bureaus. However, if you close a credit card account, that can have a small impact on your credit utilization ratio. Closing a checking account has no credit effect.
What if I have a pending check that has not cleared yet?
Wait until the check clears before you close the account. If you close while a check is pending, it may bounce when it arrives, and the person who wrote it will face overdraft fees. You can check your pending transactions in your account activity before you close.
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 due to a problem with Chase or because you had a negative balance, Chase may review your history before approving a new account. There is no waiting period to reopen.
Do I need to return my debit card after closing?
No, you do not need to return your Chase debit card. It will straightforward stop working once the account closes. You can throw it away or shred it. Chase does not require you to mail it back.
How long does it take for my account to fully close?
Most Chase accounts close within one to three business days after you request closure online. Business accounts may take longer because they require a phone call and additional verification. You will receive a confirmation email when the closure is complete.