You can close most Chase accounts through the Chase mobile app or website, but you'll need to call for some account types
Chase lets you close checking and savings accounts online through their website or mobile app. You can do this from home without visiting a branch. The process takes a few minutes, but you need to handle a few things first: make sure your account balance is zero, set up any automatic payments to come from a different account, and decide what to do with any remaining funds.
Some account types — like business accounts, credit cards, and investment accounts — cannot be closed online. For those, you'll need to call Chase customer service at 1-800-935-9935 or visit a branch in person.
Key Takeaways
- Personal checking and savings accounts can be closed online through the Chase app or website, but business accounts and credit cards must be closed by phone or in branch.
- Your account balance must be zero before you close; if money remains, you can request a check or transfer it to another account.
- You must stop or redirect any automatic payments, direct deposits, or recurring transfers before closing.
- After you close your account, keep your final statement for your records and monitor your credit report to make sure the account shows as closed.
What you need to do before closing
Spend a few days before closing your account making sure everything is settled. Log into your Chase account and check the balance. If there's money in the account, you have two choices: transfer it to another bank account you own, or request that Chase mail you a check. The check usually arrives within 7 to 10 business days.
Next, look at your automatic payments and recurring transfers. If you have bills set to pay from this Chase account — utilities, subscriptions, insurance — you need to change those payments to a different account before you close. The same goes for direct deposits from your employer. Log into each service (your electric company, your payroll system, etc.) and update the bank details there. This takes time, so start this step at least a week before you plan to close.
Check your recent statements for any pending transactions or holds. If you see something you don't recognize, contact Chase to resolve it first. Once the account is closed, it's harder to dispute old transactions.
How to close your account through the Chase app
Open the Chase mobile app and sign in. Tap the account you want to close. At the bottom of the account details screen, look for "Close Account" or "More Options" — the exact wording varies by app version. Tap it.
Chase will ask you to confirm that your balance is zero and that you've redirected your automatic payments. Read through the confirmation screen carefully. Chase will tell you what happens next: your account will close, and you'll receive a final statement by mail within 30 days. Confirm your choice, and the account closes when ready.
After closing, you'll see the account removed from your app within a few hours. Keep the confirmation number or screenshot for your records.
How to close your account through Chase.com
Go to Chase.com and sign in to your account. Click on the account you want to close. Look for a menu icon (three horizontal lines) or a "Settings" option, usually in the top right corner of the account details. Select "Close Account" from the menu.
You'll see a form asking you to confirm that your balance is zero and that you've stopped automatic payments. Fill in any required fields — Chase may ask why you're closing the account, but this is optional. Review the information one more time, then click "Close Account" to finish.
The account closes right away. You'll receive a final statement in the mail within 30 days. Write down the confirmation number shown on your screen.
What to do if you can't close online
If you have a business account, a credit card, or an investment account with Chase, you cannot close it through the app or website. Call Chase at 1-800-935-9935 and tell the representative which account you want to close. Have your account number ready.
The representative will ask the same questions: is your balance zero, have you stopped automatic payments, and do you want any remaining funds mailed to you. Answer honestly. If there are outstanding balances on a credit card, you'll need to pay those before closing. The representative will walk you through the steps and give you a confirmation number.
For credit cards specifically, you can also close the account by calling the number on the back of your card. This route is sometimes faster because you reach the credit card department directly.
What happens after you close your account
Your account closes when ready when you confirm online or on the phone. You won't be able to use your debit card, write checks, or make transfers from that account anymore. If you try to use the card after closing, it will be declined.
Chase will mail you a final statement within 30 days showing all activity up to the closing date. Keep this statement for your tax records and for proof that the account is closed. If you need a copy later, you can request it from Chase, but having the original is easier.
Check your credit report a few weeks after closing to make sure the account shows as closed. You can view your credit report free once a year at AnnualCreditReport.com. If the account still shows as open after 60 days, call Chase to ask them to update it.
What to do with your debit card after closing
Once your account is closed, your debit card is no longer active. You don't have to do anything special — it straightforward won't work. However, it's a good idea to cut it up or destroy it so it can't be used by someone else if lost or stolen.
If you're opening a new Chase account and want a new debit card, you can order one during the account opening process or request one after your new account is set up. If you're switching to a different bank, order a debit card from your new bank before you close your Chase account so you have a working card ready to use.
Frequently Asked Questions
Can I reopen a Chase account I just closed?
Yes, but only within a certain window. If you closed your account within the last 30 days, you may be able to reopen it by calling Chase at 1-800-935-9935. After 30 days, Chase treats it as a new account, and you'll have to go through the full opening process again. There's no penalty for reopening; Chase just needs to verify your identity.
What if I have a pending check or transfer when I close?
Pending transactions can complicate closing. If a check you wrote hasn't cleared yet, the account may need to stay open until it does. Call Chase before closing if you have outstanding checks. For pending transfers, make sure they've completed before you close. Chase can tell you the status of any pending items.
Do I lose my transaction history after closing?
No. Chase keeps your transaction history on file even after you close the account. You can request statements from closed accounts by calling 1-800-935-9935 or visiting a branch. Keep your final statement safe, but you can always get copies of older statements if you need them for taxes or disputes.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts don't appear on your credit report. Closing a credit card can have a small impact because it reduces your total available credit, but the effect is usually temporary and minor. Your payment history matters much more than the number of open accounts.
Can I close my account if I have a negative balance?
No. You must pay off any negative balance (overdraft) before closing. If your account is overdrawn, call Chase at 1-800-935-9935 to discuss payment options. Once you've paid the full amount owed, you can close the account through the app or website.