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 Chase Mobile app. The process takes a few minutes and doesn't require a phone call or branch visit. Before you start, make sure your account balance is zero — you'll need to withdraw or transfer any remaining money first. If you have pending transactions, checks that haven't cleared, or automatic payments set up, those need to settle or be cancelled before closure.
Some account types — like business accounts, investment accounts, or credit cards — cannot be closed online and require a phone call to Chase customer service or a visit to a branch. This guide covers personal checking and savings accounts only.
Key Takeaways
- Your Chase account balance must be zero before you can close it online; transfer or withdraw all remaining funds first.
- Cancel any automatic payments, recurring transfers, or direct deposits linked to the account before you close it.
- You can close accounts through the Chase website or Chase Mobile app in your account settings.
- Business accounts, credit cards, and investment accounts must be closed by calling Chase customer service at 1-800-935-9935 or visiting a branch.
- After closure, keep your account number and final statements for your records in case of future disputes or tax questions.
Empty your account and cancel automatic activity
Before you close your account, you need to move or withdraw all the money in it. Log into your Chase account online or through the mobile app and check your current balance. If you have money in the account, transfer it to another bank account you own, or withdraw it at a Chase ATM or branch.
Next, cancel any automatic payments, recurring transfers, or direct deposits tied to the account. Go to your account settings and look for "Transfers & Payments" or "Automatic Payments." Remove any scheduled transactions. If your paycheck or benefits deposit into this account, update that with your employer or the government agency first — they need your new account number before you close the old one. Wait at least one full business cycle to make sure no pending transactions are still in flight.
Close your account through the Chase website
Once your account is empty and all automatic activity is cancelled, log into Chase.com with your username and password. Click on the account you want to close to open its details page.
Look for a menu icon (three horizontal lines) or a settings gear icon, usually in the top right corner of the account details. Select "Close Account" or "Account Services" — the exact wording varies by account type. Chase will ask you to confirm that your balance is zero and that you want to proceed. Read through any final information about what happens to your account, then confirm the closure. You should see a confirmation message on screen and receive an email confirmation within a few minutes.
Close your account through the Chase Mobile app
Open the Chase Mobile app and sign in. Tap the account you want to close to view its details. Look for the menu icon (three dots or three lines) at the top right of the screen and tap it.
Select "Account Settings" or "Close Account" from the menu. The app will confirm that your balance is zero and ask you to verify you want to close it. Tap to confirm, and you'll see a closure confirmation on screen. Chase will send you an email confirmation shortly after.
What happens after you close your account
Once your account is closed, you can no longer use your debit card, checks, or online access for that account. Any pending transactions that haven't cleared will be rejected. Your account number becomes inactive, so if someone tries to deposit money into it, the deposit will be returned.
Chase will mail you a final statement showing the account closure date and any remaining activity. Keep this statement and your account number for your records. If you had overdraft protection or linked accounts, those links are severed when you close the account. If you close an account and later realize you need records or have questions about old transactions, you can contact Chase customer service and they can pull archived statements for you.
When you need to call Chase instead
Some accounts cannot be closed online. If you have a business checking or savings account, a Chase credit card, a Chase investment or brokerage account, or a Chase mortgage, you must close these by phone or in person. Call Chase customer service at 1-800-935-9935 and tell them you want to close the account. Have your account number ready.
If you're closing an account because of fraud or unauthorized activity, call when ready rather than waiting to close it online. Chase has a fraud department that can freeze the account right away and investigate. If you're closing because you're moving to another bank and want to make sure no stray charges hit the old account, closing by phone lets you speak to someone who can flag the account and watch for any late activity.
Troubleshooting if the close option doesn't appear
If you don't see a "Close Account" option in your account settings, your account balance may not actually be zero. Go back and check the balance again — sometimes pending transactions take a day or two to post. If the balance shows zero but the close option still doesn't appear, try logging out and logging back in, or try closing from a different device or browser.
If you've waited several days and the option still doesn't show up, contact Chase customer service by phone at 1-800-935-9935 or visit a branch in person. They can tell you if there's a hold on the account or a pending transaction blocking closure, and they can close it for you over the phone.
Frequently Asked Questions
Can I reopen a Chase account I just closed?
Chase typically allows you to reopen a closed account within a short window — usually 30 days — if you contact them right away. After that, the account is permanently closed and you would need to open a new account instead. Call 1-800-935-9935 if you change your mind quickly.
What if I have a pending check that hasn't cleared yet?
Wait until the check clears before you close the account. If you close the account before the check clears, it will bounce and the person who wrote it will be notified. If a check clears after you close the account, Chase will reject it and return it unpaid. Contact the check writer and ask them to resubmit it to your new account.
Do I need to destroy my debit card after I close the account?
You don't have to, but it's a good idea to cut it up or shred it so it can't be used by mistake or found by someone else. The card will stop working when ready once the account is closed, but destroying it removes any chance of confusion.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score. Credit scores are based on credit history — loans, credit cards, and payment history. Bank accounts don't appear on your credit report, so closing one has no impact on your credit.
How long does it take for my account to fully close?
Your account closes when ready when you confirm the closure online. However, it can take a few business days for all systems to update and for your final statement to be generated and mailed. During this time, the account is closed and cannot be used, but you may still see it in your account list until the update completes.