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

Chase lets you close most checking and savings accounts through their mobile app, website, or by calling customer service at 1-800-935-9935. If you have a credit card, you'll need to pay off the full balance first—Chase won't close an account with an outstanding balance. For investment or brokerage accounts, the process is different and may require additional steps. Before you close anything, make sure direct deposits and automatic payments tied to that account are moved elsewhere, because transactions will start bouncing once the account is gone.

The timeline varies. If you close online or by app, the account typically closes within a few business days. Closing by phone can take the same timeframe, though Chase may ask you to confirm in writing. In-person closures at a branch happen immediately, but you'll need to bring your ID and any debit cards associated with the account.

Key Takeaways

  • Call 1-800-935-9935, use the Chase mobile app, or visit a branch to close your account; the method you choose affects how fast it closes.
  • Credit card balances must be paid in full before Chase will close the account, but checking and savings accounts can close with a zero balance.
  • Stop all automatic payments and direct deposits at least a week before closing, or they will fail and may trigger overdraft fees.
  • Request written confirmation of closure and check your credit report a few weeks later to make sure the account shows as closed.

Closing a Chase checking or savings account online or by app

The fastest route for most people is the Chase mobile app or website. Log in, find the account you want to close, and look for a "Close Account" or "Account Services" option—the exact wording changes by app version. Chase will ask you to confirm the closure and may ask why you're leaving. You don't have to answer, but they sometimes offer retention deals if you say you're moving to another bank.

Once you confirm, Chase sends a confirmation email. The account closes within 2 to 5 business days. Any remaining balance—even a few cents—will be mailed to you as a check, which can take 7 to 10 business days to arrive. If you have pending transactions still processing, Chase may delay the closure until they clear.

Closing a Chase account by phone

Call Chase customer service at 1-800-935-9935 and tell them you want to close the account. Have your account number and ID ready. The representative will confirm your identity, ask a few questions, and process the closure. The call usually takes 10 to 15 minutes.

Chase may ask you to sign and return a written confirmation, though this is becoming less common. If they do, they'll mail it to you or email it for your signature. The account closes once they receive the signed form or within a few business days of the phone call if no signature is needed. Ask the representative for a confirmation number and note the date and time of the call in case you need to follow up.

Closing a Chase account in person at a branch

Bring your ID and any debit cards tied to the account to your nearest Chase branch. Tell a teller you want to close the account. They'll verify your identity, confirm the account balance, and process the closure on the spot. If there's a remaining balance, the teller can give you a cashier's check or transfer the money to another account you own.

In-person closure is the fastest method—it's done immediately—and you get a receipt. This is the best option if you have a small remaining balance and want to walk out with cash or a check the same day.

What to do before you close the account

Stop all automatic payments and direct deposits at least 7 to 10 days before closing. Log into each service that pulls money from the account—your employer's payroll system, utility companies, insurance providers, subscription services—and update the payment method or account number. If you miss one, the payment will fail, and you may be charged an overdraft fee even though the account is closed.

Check your recent statements for any recurring charges you might have forgotten about. Look for gym memberships, streaming services, insurance premiums, and loan payments. Move these to a different account or cancel them entirely.

If you have checks linked to the account, stop using them immediately. Any checks you've already written but haven't been cashed yet will bounce once the account closes. Contact anyone you've given a check to and provide a new payment method.

Closing a Chase credit card

Credit cards work differently from checking accounts. You must pay the full balance—every penny—before Chase will close the card. Call 1-800-955-9060 (Chase's credit card line) or log into your credit card account online and look for account closure options.

Once the balance is zero, tell Chase you want to close the card. They'll confirm and send you a written notice. The card closes immediately, but the account may stay on your credit report for up to 10 years as a closed account in good standing. This is normal and doesn't hurt your credit.

If you have a rewards balance or cash back pending, make sure it posts to your account before you close the card. Once closed, you may not be able to redeem rewards.

What happens after you close the account

Chase sends a confirmation letter within 1 to 2 weeks. Keep this letter for your records. The account number becomes inactive, and you won't be able to access it online or by app.

Check your credit report 4 to 6 weeks after closure to confirm the account shows as closed. You can view your credit report free once a year at annualcreditreport.com. If the account still shows as open or active, contact Chase and ask them to update it.

If you had overdraft protection linked to another account, that protection ends when the account closes. Make sure your other accounts have enough buffer to cover any final transactions.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes, but it depends on how long ago you closed it and why. If you closed it recently and in good standing, Chase may reopen it or let you open a new one immediately. If you closed it due to fraud or had a negative balance, Chase may require you to wait 90 days or longer before opening a new account.

What if I have pending transactions when I close the account?

Chase will hold the closure until pending transactions clear, which can take 3 to 5 business days. Once they clear, the account closes. If a transaction is still pending after a week, contact Chase to find out the status before closing.

Do I lose my debit card immediately when I close the account?

The card stops working once the account closes, but you should destroy it yourself to be safe. If you close the account online or by phone, the card may still work for a day or two while the system updates, so don't rely on it after you've requested closure.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account doesn't affect your credit score at all—those accounts don't appear on your credit report. Closing a credit card may lower your score slightly because it reduces your total available credit, but the impact is usually small and temporary.

What if Chase won't close my account?

Chase rarely refuses to close an account, but if they do, ask why in writing and request a supervisor. If you have an outstanding balance or fraud dispute, Chase may require those to be resolved first. If you believe Chase is acting unfairly, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov.