You can close most Chase accounts online through your account settings, but the method depends on the account type and whether you have an outstanding balance
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. Log into your Chase account, go to Settings, and look for the option to close your account. The process takes a few minutes, but Chase will ask you to confirm your identity and may require you to move any remaining money out first.
Some account types—like investment accounts, credit cards, or accounts with an outstanding balance—cannot be closed online. For those, you will need to call Chase customer service at 1-800-935-9935 or visit a branch in person.
Key Takeaways
- Checking and savings accounts can be closed online through your Chase account settings, but you must have a zero balance first.
- Chase will ask you to confirm your identity and may send a confirmation email or letter to your registered address.
- Credit cards, investment accounts, and accounts with outstanding balances require a phone call or branch visit to close.
- After closing, keep your account number and routing number for your records in case you need proof of closure or have questions about old transactions.
Steps to close a Chase checking or savings account online
Open the Chase mobile app or log into Chase.com on your computer. Navigate to Settings (usually found in the menu or account profile section). Look for an option labeled "Close Account" or "Account Services." Chase will show you a list of your accounts and let you select which one to close.
Before you can proceed, your account balance must be zero. If you have money in the account, transfer it to another bank account or withdraw it in cash at a Chase branch or ATM. Once the balance is zero, Chase will let you confirm the closure. You may be asked to verify your identity by answering security questions or confirming recent transactions.
After you submit the closure request, Chase will send a confirmation email to the address on file. Keep this email for your records. The account will close within a few business days. If you do not receive a confirmation, log back into your account to check the status.
What happens to pending transactions and automatic payments
Any checks you have written or automatic payments you have set up may still process after you close the account. Chase will return these payments unpaid, which can result in overdraft fees or late fees from the companies you owe money to. Before closing your account, cancel any automatic payments or recurring charges tied to that account.
Review your recent transactions and contact any companies that have your account number on file—utilities, insurance, subscriptions, loan payments. Update them with a new account number or payment method. This step takes time but prevents problems after closure.
If a check or payment does process after closure, Chase will return the funds to the sender. You will not be able to access the account to dispute or reverse the transaction, so handling this before closure is critical.
Account types you cannot close online
Chase credit cards must be closed by phone. Call the number on the back of your card or 1-800-935-9935. The representative will confirm your identity and process the closure. After closure, you remain responsible for any balance on the card, and Chase will continue to send you statements until the balance is paid in full.
Investment accounts, brokerage accounts, and retirement accounts (IRAs, 401k rollovers) require a phone call or branch visit. If you have a joint account, both account holders may need to authorize the closure. Accounts with outstanding balances, overdrafts, or pending disputes also cannot be closed online.
If you are unsure whether your account type can be closed online, log into your account and try to access the closure option. Chase will tell you immediately if the account cannot be closed through that method and will direct you to call or visit a branch.
What to do if you cannot close your account online
Call Chase 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, confirm that your balance is zero (or help you move money if it is not), and process the closure over the phone. This usually takes 10 to 15 minutes.
You can also visit a Chase branch in person. Bring a photo ID and your debit card or account number. A banker will help you close the account and can answer questions about what happens to pending transactions or automatic payments. If you have a large balance or complex account setup, a branch visit may be faster than a phone call.
After closure, ask the representative for a confirmation number or letter. This document proves the account was closed on a specific date and can be useful if a payment processes after closure or if you need to dispute a charge.
After your account closes: what you need to know
Chase will keep records of your closed account for a set period. If you need a copy of old statements or transaction history, you can still access them through your online account for a limited time after closure, or you can call Chase to request copies. Save any statements you might need for tax purposes or financial records before closing.
If a payment or check processes after your account is closed, it will be returned unpaid. The sender will receive a notice that the account is closed, and you may face fees from the company trying to collect the payment. This is why canceling automatic payments before closure is so important.
Your routing number and account number remain associated with your closed account. Do not share these numbers with anyone after closure, and do not use them for new payments or transfers. If someone tries to use your old account number for a payment, it will be rejected.
Frequently Asked Questions
How long does it take for a Chase account to close after I request it online?
Most Chase accounts close within a few business days of your request. You will receive a confirmation email, and the account will no longer appear in your active accounts list. If your account still shows up after a week, log in and check the status, or call Chase to confirm closure.
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 dispute, Chase may require you to resolve that issue first. Opening a new account is a separate process and does not restore your old account.
What if I have a negative balance when I try to close my account?
You cannot close the account online if you owe money. You must either deposit funds to bring the balance to zero or call Chase to discuss payment options. Chase may require you to pay the negative balance before they will close the account.
Will closing my Chase account affect my credit score?
Closing a checking or savings account does not affect your credit score because these accounts do not appear on your credit report. Closing a credit card may have a small impact on your credit score, but it is usually temporary. Your credit history with that card remains on your report.
Do I need to close my account in person, or can I really do it online?
For most checking and savings accounts with a zero balance, you can close online without visiting a branch. If you prefer to close in person or have questions about your specific account, you can always visit a branch or call. Both methods work equally well.