You can close a Chase checking account by phone, in person, or online, but the method depends on your account type and whether you have an outstanding balance

The fastest way is to call Chase customer service at 1-800-935-9935 and tell them you want to close your account. They will verify your identity, check for pending transactions or outstanding balances, and process the closure over the phone. If you have a positive balance, Chase will mail you a check or transfer the funds to another account you provide. The account typically closes within one to three business days after the call.

You can also close an account in person at any Chase branch by bringing your ID and account information. A banker will review your account status and process the closure on the spot. If you prefer to avoid phone calls and have no outstanding balance, some account types allow closure through the Chase mobile app or website, though this option is not available for all checking products.

Key Takeaways

  • Call 1-800-935-9935 to close your account over the phone; this is the most reliable method and takes one to three business days.
  • You must settle any outstanding balance, overdraft fees, or pending transactions before Chase will close the account.
  • If your account has a positive balance, ask Chase to mail a check or transfer funds to another bank account during the closure call.
  • Visit a Chase branch in person with your ID if you prefer face-to-face closure, and the account closes immediately.
  • Set up direct deposit redirection and update any automatic payments before closing, or they may fail and trigger overdraft fees.

What to do before you call or visit

Before you close your account, redirect any automatic payments or recurring charges. Check your account for subscriptions, insurance premiums, loan payments, or other bills that pull from this checking account. Update those payees with a new account number or payment method at least one week before closure. If a payment fails after the account closes, you may face late fees or service interruptions.

Review your account for pending transactions. If you have checks outstanding, transfers in progress, or pending debit card charges, wait for them to clear before closing. Chase will not close an account with unresolved transactions, and you may be charged fees if payments bounce after closure.

Gather your account number and routing number if you want Chase to transfer your remaining balance to another bank. You can find both on a check or in the Chase app under account details. If you do not provide another account, Chase will mail a check to your address on file, which can take five to ten business days.

Closing by phone

Call 1-800-935-9935 during business hours (typically 7 a.m. to 11 p.m. Central Time, seven days a week). Have your account number, Social Security number, and a government-issued ID ready. The representative will ask you to confirm your identity and the reason for closure, though you do not have to provide a reason.

The representative will check for any outstanding balance, pending transactions, or fees owed. If your account is in good standing with a positive balance, they will ask how you want the funds returned. You can request a check mailed to your address on file, or provide another bank account for a transfer. If you owe money, you must pay it before the account closes.

After you confirm the closure details, the representative will process it immediately. The account will stop accepting new transactions within one to three business days. Any checks or automatic payments scheduled after that date will be rejected.

Closing in person at a branch

Bring your government-issued ID and your Chase debit card or account number to any Chase branch. Tell a banker you want to close your checking account. They will pull up your account, review the balance and any pending items, and ask how you want remaining funds handled.

The banker can process the closure on the spot and provide you with a receipt. If your account has a positive balance, you can request a check or ask the banker to transfer funds to another account. The account closes immediately, though it may take one to three business days for the closure to appear in the system.

What happens to your remaining balance

If your account has money in it when you close, Chase will return the funds to you. You have three options: request a check mailed to your address on file, ask for a transfer to another bank account, or ask for a transfer to another Chase account you own. A check typically arrives within five to ten business days. A transfer to another bank account can take three to five business days depending on the receiving bank.

If your account is overdrawn or you owe Chase fees, you must pay the balance before closure. Chase will not close an account with a negative balance. You can pay by debit card, transfer from another account, or cash at a branch.

If you have a joint account

If the checking account is joint with another person, both account holders must consent to closure. Call Chase and request closure, and the representative will ask to speak with the other account holder to confirm. If the other person is not available, you may need to visit a branch together with ID, or the other person can call separately to authorize the closure.

When a joint account closes, any remaining balance is typically split equally between the account holders unless you specify otherwise. Discuss with the other account holder how to divide the funds before you initiate closure.

Frequently Asked Questions

Can I reopen my Chase checking account after I close it?

Yes, you can open a new Chase checking account at any time, but it will be treated as a new account with a new account number. If you closed the account in good standing, there is no waiting period. If the account was closed due to fraud or policy violations, Chase may restrict you from opening a new account for a period of time.

What if I have a Chase credit card linked to my checking account?

Closing your checking account does not affect your credit card. However, if you set up automatic payments from the checking account to pay your credit card bill, you must update that payment method before closure. Log into your credit card account and change the payment source to another bank account or set up a different payment method.

Will closing my account hurt my credit score?

No. Closing a checking account does not appear on your credit report and does not affect your credit score. Credit reports track credit accounts like loans and credit cards, not deposit accounts.

What if I have pending direct deposits scheduled?

Direct deposits will fail if they arrive after the account closes. Contact your employer or the organization sending the deposit and provide your new bank account information at least one week before closure. If a deposit arrives after closure, it will be returned to the sender, and you may need to request a reissue.

How long does it take for the account to fully close?

The account closes immediately when you process the request by phone or in person, but it can take one to three business days for the closure to appear in Chase's system. During this time, any new transactions will be rejected. Your remaining balance will be returned within five to ten business days if mailed as a check, or three to five business days if transferred to another bank account.