You can close a Chase account by phone, in person, or online, but the method depends on your account type and whether you have an outstanding balance
Chase lets you close most checking and savings accounts through their mobile app, website, or by calling their customer service line at 1-800-935-9935. If you have a mortgage, investment account, or credit card with Chase, those close through different processes. Before you close, make sure your account balance is zero — if you have money left, you'll need to withdraw it or transfer it first. If you owe money, you must pay it before closing.
The fastest route is usually the Chase mobile app or website if you have online access set up. If you prefer to speak with someone or have complications (like a negative balance or linked accounts), calling or visiting a branch works better. There's no fee to close an account, and you can close it at any time.
Key Takeaways
- Chase checking and savings accounts close through the mobile app, website, or by phone at 1-800-935-9935, but you must have a zero balance first.
- Credit cards, mortgages, and investment accounts with Chase require separate closing processes and cannot be closed through the same method as deposit accounts.
- If your account has a negative balance or pending transactions, you'll need to resolve those before closing is complete.
- Closing your account does not affect your credit score, but closing a credit card account may have a small temporary impact.
- After closing, keep your account statements for at least one year in case you need them for tax or dispute purposes.
Closing a Chase Checking or Savings Account Online
Log into your Chase account through the website or mobile app and look for the account settings or profile menu. In the app, this is usually under the menu icon (three horizontal lines) in the bottom right. On the website, click your profile icon in the top right corner. Find the option labeled "Close Account" or "Account Services" — the exact wording varies depending on whether you're using the app or desktop version.
Before you proceed, Chase will show you your current balance and ask you to confirm it is zero. If you have money in the account, you must transfer it out or withdraw it first. Once you confirm the balance is zero, Chase will ask you to select a reason for closing (optional) and then process the closure. You'll receive a confirmation number and an email confirmation. The account typically closes within one to three business days.
If the close option doesn't appear in your app or online account, it may mean you have a linked product (like a mortgage or investment account) or an outstanding balance preventing closure. In that case, call Chase or visit a branch.
Closing a Chase Account by Phone
Call Chase customer service at 1-800-935-9935 and tell the representative you want to close your account. Have your account number ready. The representative will verify your identity by asking for your Social Security number, date of birth, or other security questions. They'll confirm your account balance is zero and ask if you want to close just this account or multiple accounts if you have several with Chase.
The representative will explain what happens to any pending transactions, automatic payments, or direct deposits linked to the account. If you have recurring bills set to come out of this account, you must update those with your new payment method before closing. Once everything is confirmed, the representative will process the closure and give you a confirmation number. Write this down or ask for it to be emailed to you.
Phone lines are typically open Monday through Friday, 7 a.m. to 11 p.m. Central Time, and Saturday 8 a.m. to 5 p.m. Central Time. Wait times vary, especially on weekdays.
Closing a Chase Account in Person at a Branch
Visit any Chase branch with a valid government-issued ID and your account information. Tell the teller you want to close your account. They'll pull up your account, confirm the balance is zero, and process the closure on the spot. If you have cash in the account, you can withdraw it during the same visit. The teller will give you a receipt and a confirmation number.
Closing in person is useful if you have complications — for example, if you're not sure whether you have pending transactions or if you want to speak with someone face-to-face about linked accounts. It also avoids any confusion about whether the online or phone closure went through. The account typically closes the same day or within one business day.
What to Do Before You Close Your Account
Check for any automatic payments or recurring charges set to come out of the account. Log into your Chase account and look at recent transactions to see what bills are being paid from this account. Update those payments with your new bank account or payment method at least one week before closing. Common recurring payments include utilities, insurance, subscriptions, and loan payments.
If you receive direct deposit (paycheck, government benefits, tax refunds), update your employer or the paying agency with your new bank account details. Direct deposits sent to a closed account may be returned or delayed. Confirm the change has been processed before you close the account.
Withdraw or transfer any remaining balance. You can transfer money to another bank account online, withdraw cash at an ATM or branch, or request a cashier's check. Make sure the balance is exactly zero before you attempt to close — even a few cents can block the closure.
read or print your recent statements. Chase keeps statements available online for a limited time after closing, but it's safer to save copies yourself. You may need these for tax purposes or to dispute a transaction later.
Closing Chase Credit Cards, Mortgages, and Investment Accounts
Chase credit cards close through a different process than deposit accounts. Call the number on the back of your card or call 1-800-935-9935 and ask to close the credit card account. You must pay off the full balance first — you cannot close a card with an outstanding balance. After you pay it off, the representative will process the closure. The account will show as "closed by customer" on your credit report.
Chase mortgages cannot be closed through customer service — you must pay off the loan in full. Work with your loan servicer or a mortgage broker to refinance or pay the balance. Once the loan is paid, Chase will send you a payoff letter and the lien will be removed from your property.
Chase investment accounts (brokerage accounts, IRAs, etc.) close by contacting Chase Investment Services at 1-800-882-6884. You'll need to liquidate your holdings and transfer any remaining cash before closing. The process typically takes five to ten business days.
What Happens After You Close Your Account
Your account number becomes inactive and cannot be used for deposits or withdrawals. Any checks you've written that haven't cleared will bounce, so make sure all outstanding checks have been cashed before closing. If a check arrives after the account closes, it will be returned to the sender marked "account closed."
Chase will continue to report the account to credit bureaus as closed. This does not hurt your credit score — in fact, closing an account you're not using has no impact on your score. However, if you close a credit card account, your available credit decreases, which may cause a small temporary dip in your score.
Keep your final statement and confirmation number for at least one year. If a dispute arises or you need to prove the account was closed on a certain date, you'll have documentation. Chase keeps records of closed accounts, but having your own copy is faster.
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 due to a negative balance or fraud, Chase may flag your profile and require additional verification. If you straightforward closed an account you weren't using, opening a new one is straightforward and takes about 10 minutes online or in a branch.
What if I have pending transactions when I try to close?
Chase will not let you close an account with pending transactions. Wait for all pending charges to clear or post to your account, then try closing again. This usually takes one to three business days. If a transaction is stuck as pending, call Chase to have it cleared before you close.
Do I lose my debit card when I close my account?
Yes, your debit card becomes inactive as soon as the account closes. You don't need to do anything to deactivate it — it will straightforward stop working. If you want to destroy the card, you can cut it up or shred it. Chase does not require you to return it.
Will closing my account affect my credit score?
Closing a checking or savings account has no impact on your credit score. Closing a credit card account may cause a small temporary dip because your available credit decreases, but the effect is usually minimal and fades over time. The account will show as closed on your credit report, which is normal and not negative.
What if I have a negative balance in my account?
You must pay the negative balance before closing. Call Chase at 1-800-935-9935 and ask how much you owe. You can pay by debit card, bank transfer, or check. Once the balance is paid and cleared (usually one to two business days), you can close the account.