You can close most Chase accounts online through your account settings, but the method depends on which type of account you have
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The process takes a few minutes and happens immediately — your account closes right away, though any pending transactions may still process. If you have a credit card, investment account, or business account, you'll need to call Chase directly; those accounts cannot be closed online.
Before you close, make sure your account balance is zero. If you have money left, transfer it to another bank account first. Chase will not mail you a check for remaining funds — you have to move the money yourself. Also check that no automatic payments or direct deposits are still linked to the account, because those will fail once it closes.
Key Takeaways
- Checking and savings accounts close immediately through the Chase website or app, but credit cards and business accounts require a phone call to 1-800-935-9935.
- Your account balance must be zero before closing — Chase does not send checks for remaining funds.
- Cancel or redirect any automatic payments, bill pay, or direct deposits before you close, because they will fail after the account is gone.
- After closing, keep your account number and routing number for your records in case a payment or deposit attempts to post after closure.
Steps to close a Chase checking or savings account online
Log into your Chase account on the website or open the mobile app. Go to the account you want to close — if you have multiple accounts, you'll close them one at a time. Look for a menu option labeled "Account Services," "Settings," or "Manage Account." The exact wording varies by app version, but it's usually in the account details or three-dot menu.
Select "Close Account" or "Close This Account." Chase will show you a confirmation screen listing the account number and current balance. If the balance is not zero, you cannot proceed — go back and transfer the remaining money out first. Once the balance shows zero, confirm the closure. The account closes immediately and you'll see a confirmation message with the date and time.
Save or screenshot the confirmation for your records. You won't receive a separate email confirmation, so the screenshot is your proof that the account closed on that date. This matters if a payment or deposit attempts to post after closure — you can show Chase when the account actually closed.
What to do before closing to avoid failed payments
Check for any automatic payments or subscriptions tied to the account. Log into services you pay regularly — utilities, insurance, streaming apps, gym memberships — and update the payment method to a different account or card. Chase will reject any automatic debit that tries to pull from a closed account, and the merchant may charge you a fee for the failed payment.
If you receive direct deposit paychecks or government benefits, contact your employer or the benefit administrator and provide your new bank account details. Direct deposit to a closed account will bounce back to the sender, and restarting it can take one to two pay cycles. Do this before you close the account so there's no gap in your deposits.
Review your Chase bill pay history. If you've set up bill pay to any creditors or service providers, cancel those payments through Chase before closing. Any bill pay scheduled to post after the account closes will fail, and the payee won't receive the money. You'll have to pay them through a different method.
What happens to pending transactions after you close
Transactions that are already in process when you close may still post to the account for a few days afterward. This includes checks you've written, debit card charges that haven't cleared yet, and ACH transfers that are pending. Chase keeps the account open in a limited state to allow these to settle, then closes it fully once everything clears.
If a transaction posts after closure and overdrafts the account, Chase may charge an overdraft fee. To avoid this, make sure your balance is truly zero and that no pending charges are waiting. If you're unsure whether a transaction is still pending, wait a few business days before closing.
Accounts you cannot close online
Chase credit cards must be closed by phone. Call 1-800-935-9935 and ask to close the card. Have your card number ready. Chase will confirm your identity, ask why you're closing, and process the closure immediately. Request written confirmation of the closure date.
Business accounts, investment accounts, and money market accounts also require a phone call. If you have a Chase Private Client or wealth management account, you may need to speak with your dedicated banker. Call the number on the back of your card or statement to reach the right department.
After your account closes
Your debit card stops working immediately. If you have checks printed with the account number, destroy them — they won't work, but you don't want them floating around. Your online login will still work for a limited time so you can view closed account history, but you won't be able to make transactions.
Keep your account number and routing number for your records. If a payment or deposit attempts to post weeks or months later, you'll need these to prove the account was closed and to help Chase or the merchant trace what happened. Some merchants hold onto payment information and may try to charge the old account by mistake.
If you closed the account because of fraud or unauthorized activity, contact Chase fraud services at 1-800-955-9060 to file a report. Closing the account stops new fraud, but you may still be able to dispute unauthorized charges that posted before closure.
Frequently Asked Questions
What if I close my account and then need to access old statements?
You can still log into your Chase account after closure to view statements and transaction history for closed accounts. This access typically lasts for several years. Download or save any statements you need before closing, just to be safe.
Can I reopen a Chase account I just closed?
Yes, but Chase may require you to wait a few days. If you closed by mistake, call 1-800-935-9935 immediately — if the account hasn't fully settled, they may be able to reopen it. If it has settled, you can open a new account, though Chase may review your history before approving it.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score — banks don't report deposit accounts to credit bureaus. Closing a credit card can affect your score by reducing available credit, but closing a bank account has no impact.
What if a check I wrote hasn't cleared yet?
Wait until the check clears before closing the account. If you close first and the check arrives after closure, Chase will return it unpaid and the recipient may charge you a returned check fee. You can call Chase to ask whether a specific check has cleared.
Do I need to close my account in person?
No. Chase allows online closure for checking and savings accounts specifically so you don't have to visit a branch. If you prefer to close in person, you can visit any Chase branch, but it's not required.