You can close most Chase accounts through their website or mobile app, but the method depends on your account type
Chase lets you close checking and savings accounts online through their portal or app without calling or visiting a branch. The process takes a few minutes and requires you to transfer any remaining balance out first. If you have a credit card, mortgage, or investment account with Chase, those close through different channels — this guide covers deposit accounts only.
Before you start, make sure your account balance is zero. Chase will not close an account with money in it. You'll also want to confirm there are no pending transactions, automatic payments, or direct deposits still linked to the account.
Key Takeaways
- Move your remaining balance to another bank account before closing, since Chase will not close an account with money in it.
- Stop any automatic bill payments, direct deposits, or recurring transfers tied to the account at least a few days before you close it.
- Log into Chase.com or the Chase Mobile app, find your account settings, and select the option to close the account.
- Chase will send you written confirmation of the closure, usually within a few business days.
- Credit cards, mortgages, and investment accounts require different closure methods and cannot be closed through the deposit account portal.
Transfer your balance to another account first
Log into your Chase account and move all remaining money out. You can transfer to another bank using Chase's external transfer feature, or withdraw the full balance in cash or a cashier's check. Chase will not process a closure request if any balance remains in the account.
If you have pending transactions still processing, wait for them to clear before you close. Check your recent activity to see if anything is still marked as "pending." Once everything has posted and the balance is truly zero, you're ready to move forward.
Remove automatic payments and direct deposits
Before closing, cancel any automatic bill payments or recurring transfers that use this account. Log into each service (your utility company, insurance provider, subscription services, employer payroll system) and update the payment method or direct deposit destination. This prevents payments from failing after you close the account.
Give yourself at least three to five business days between stopping these services and closing the account. This buffer ensures nothing tries to post to a closed account, which can trigger fees or rejection notices from the companies involved.
Close the account through Chase.com
Go to Chase.com and sign in with your username and password. Click on the account you want to close. Look for a menu option labeled "Account Settings," "Manage Account," or a gear icon — the exact label varies by account type and whether you're using the website or app.
Select "Close Account" or "Close This Account." Chase will ask you to confirm the account balance is zero and that you understand the account will be permanently closed. Read through any warnings or final confirmations, then submit. You should see a confirmation message on screen when ready.
Close the account through the Chase Mobile App
Open the Chase Mobile app and sign in. Tap on the account you want to close. Scroll down or look for a menu icon (three horizontal lines or three dots) and select "Account Settings" or "Manage Account."
Tap "Close Account" and confirm that your balance is zero. The app will walk you through a final confirmation screen. Once you submit, you'll see a confirmation message. The closure is when ready, though Chase may take a few business days to process it fully on their end.
What happens after you close your account
Chase will send you written confirmation of the closure by mail within a few business days. Keep this letter for your records. Your account number will no longer be active, and any checks or debit cards linked to that account will stop working when ready.
If you had overdraft protection or linked accounts, those connections will be severed. If you set up any alerts or notifications for this account, they will stop. Your transaction history remains available through Chase for a period of time — you can still view it online even after closure, though this access may eventually expire.
If you cannot close your account online
Some account types — such as certain business accounts, accounts with pending disputes, or accounts flagged for fraud review — cannot be closed through the website or app. If you see an error message or the close option does not appear, you'll need to call Chase customer service at the number on the back of your debit card or visit a branch in person.
Have your account number and ID ready when you call. Explain that you want to close the account and confirm the balance is zero. The representative will walk you through any additional steps and may ask why you're closing. You do not have to provide a reason, but some customers find it helpful to mention it so Chase can address any service issues.
Closing credit cards, mortgages, and other products
Credit cards close through a different process — you can call the number on the back of your card or use the Chase credit card portal. Mortgages and home equity lines of credit require contacting Chase directly because they involve legal documents and payoff calculations. Investment accounts (brokerage, retirement accounts) have their own closure procedures through the Chase investment platform.
If you have multiple products with Chase and want to close everything, handle each one separately using the method specific to that product type. Closing a checking account does not automatically close your credit card or other accounts.
Frequently Asked Questions
What if I still have checks linked to this account?
Stop ordering new checks when ready. Any checks you've already written will bounce after the account closes. Contact anyone you've given a check to and provide a new payment method. If a check is still in transit when you close, it will be returned unpaid.
Can I reopen the account after I close it?
Chase typically will not reopen a closed account. If you change your mind, you'll need to open a new account instead. There is no waiting period — you can open a new Chase account right away if you decide you want to return.
Will closing my account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because these accounts do not appear on your credit report. However, if you close a credit card account, that may have a small impact on your credit utilization ratio.
How long does it take for the account to fully close?
The account closes when ready when you submit the request online, but Chase may take a few business days to process it fully on their systems. You'll receive written confirmation by mail. Any pending transactions should clear before the closure is finalized.
What if money is still owed on the account?
Chase will not close an account with an overdraft balance or outstanding fees. Contact Chase to pay the balance first, then close the account. If you dispute a charge, the account may be held open until the dispute is resolved.