You can close a Chase account by phone, in person, or online, but the method depends on the account type and whether you want to keep other Chase products

The fastest way to close most Chase accounts is to call their customer service line at 1-800-935-9935. Have your account number ready. A representative will confirm your identity, check for pending transactions, and process the closure. The account typically closes within one to three business days, though some funds may take longer to clear if you have outstanding checks or automatic payments scheduled.

If you prefer to close in person, visit any Chase branch with a photo ID and your account number. A banker can close the account on the spot and answer questions about transferring funds or settling outstanding balances. This method works well if you have multiple accounts or need to discuss what happens to linked services like overdraft protection.

Online closure is available for some account types through the Chase mobile app or website, though not all products support this option. Credit cards and investment accounts often require a phone call or written request. Check your specific account type in your Chase profile to see if the online option appears.

Key Takeaways

  • Call 1-800-935-9935 to close most Chase accounts; have your account number and a photo ID ready for verification.
  • You must transfer or withdraw all remaining funds before closure, and any pending automatic payments or direct deposits will be rejected after the account closes.
  • Chase will send you a final statement showing all activity through the closure date, usually within one to two weeks.
  • If you have a Chase credit card, mortgage, or investment account, you may need to contact a different department or submit a written request to close that specific product.

What happens to your money before closure

Before Chase closes your account, you must move or withdraw all remaining funds. If money is still in the account when closure is processed, Chase will hold it and send you a check to your mailing address on file. This can take two to four weeks and may include a small fee if the check is returned as undeliverable.

Any automatic payments or recurring transfers scheduled after the closure date will be rejected. Contact each company or person you pay automatically—utilities, loan servicers, subscription services—and update their payment information at least one week before you close the account. If you miss this step, payments will fail and you may face late fees or service interruptions.

Direct deposits to the closed account will also be rejected. Notify your employer or benefits administrator of your new account number if you are switching to another bank. The rejection may delay your paycheck or benefit payment by one or more pay cycles.

Closing a Chase credit card is different from closing a checking account

Chase credit cards require a separate closure process from bank accounts. Call the number on the back of your card or contact Chase at 1-800-935-9935 and ask to speak with the credit card department. You can also close the card through your online Chase account under the card settings, though phone closure is more reliable for confirming the request was received.

Before closing a credit card, pay off any remaining balance. Closing an account with an outstanding balance does not erase the debt—you still owe it and will receive bills until it is paid. Chase will continue to charge interest on the unpaid amount.

Closing a credit card may affect your credit score because it reduces your total available credit and can raise your credit utilization ratio on remaining cards. If you want to keep the card open but stop using it, you can simply put it away instead of closing it. This preserves your credit history and available credit without the account closure impact.

Handling linked accounts and services

If your Chase checking account is linked to overdraft protection, savings transfers, or bill pay, those services will stop working once the account closes. Review your account settings before closure to see what is connected. If you have overdraft protection tied to a savings account, that link will be removed and your checking account will no longer have that backup.

Chase debit cards issued for the closed account will stop working immediately. Destroy the card or contact Chase to request a replacement if you want to keep using a debit card with another Chase account. Any pending refunds or credits to the debit card may be rejected if the account is already closed.

If you use Chase's bill pay service, scheduled payments will be cancelled when the account closes. Log in to your account and review all pending bill payments before you call to close. Manually pay any bills that are due before the closure date to avoid missed payments.

What to do if you have a mortgage or investment account with Chase

Chase mortgages and investment accounts (like Chase You Invest or brokerage accounts) are separate products and do not close when you close a bank account. If you want to close a mortgage, you must refinance with another lender or pay off the loan in full. Contact Chase Mortgage Services directly at 1-800-848-9136.

Investment and brokerage accounts require you to liquidate all holdings before closure. You cannot close an account with open positions or unsettled trades. Once all securities are sold and cash is withdrawn, contact your investment advisor or call the brokerage department to request closure.

If you have a Chase business account, the closure process is similar but may require authorization from a business owner or authorized signer. Call the business banking line at 1-800-955-9060 to start the closure.

What to expect after you close the account

Chase will send you a final statement showing all transactions through the closure date. This statement arrives by mail within one to two weeks and is important to keep for your records. The statement confirms the account is closed and shows the final balance.

If you closed the account with a remaining balance, Chase will mail a check to your address on file. This check is valid for 180 days. If you do not cash it within that time, contact Chase to request a replacement or have the funds transferred to another account.

Your account number will not be reused for at least one year after closure. If you want to open a new Chase account later, you will receive a different account number. Any automatic payments or direct deposits that were rejected during the closure period will not be retried automatically—you must contact each company to resubmit.

Frequently Asked Questions

Can I close my Chase account online?

Some account types allow online closure through the Chase app or website, but checking and savings accounts typically require a phone call or in-person visit. Credit cards and investment accounts almost always need phone or written closure. Log into your account to see if the closure option is available for your specific product.

What happens to pending checks after I close my account?

Checks written against a closed account will be rejected by Chase and returned to the person or company who tried to deposit them. If you have outstanding checks, wait until they clear before closing the account, or contact the recipients and ask them to hold or destroy the checks. This can take one to two weeks depending on how quickly checks are processed.

Do I lose my transaction history after closing?

No. Chase keeps your transaction history for seven years after account closure. You can request copies of old statements by calling customer service or logging into your online account if you still have access. After seven years, you may need to submit a written request to retrieve older records.

Will closing my account hurt my credit score?

Closing a bank account does not affect your credit score because bank accounts are not reported to credit bureaus. However, closing a credit card can lower your score temporarily by reducing available credit. If you are closing a credit card, pay off the balance first and consider keeping other cards open to minimize the impact.

What if I have a negative balance or owe Chase money?

You cannot close an account with a negative balance or outstanding fees. Contact Chase to pay the amount owed first. If you have overdraft fees or other charges, ask if they can be waived before you pay. Once the balance is settled, you can proceed with closure.