How to close a Chase account
You can close a Chase checking or savings account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app or website. The fastest method is usually a phone call to the number on the back of your card or 1-800-935-9935. You will need to have a zero balance before closing — Chase will not close an account with money still in it, and they will not close an account with an outstanding debit card balance or pending transactions.
Before you call or visit, withdraw or transfer any remaining funds, pay off any overdrafts, and wait for all pending deposits and withdrawals to clear. This typically takes three to five business days. If you have automatic payments or direct deposits set up, change those to your new account first — Chase will not redirect them after closure. Once the account is truly empty and all transactions are settled, the closure itself takes just a few minutes.
Key Takeaways
- Your Chase account must have a zero balance before closure; you cannot close an account with money or debt in it.
- Automatic payments and direct deposits will stop working after closure, so redirect them to another account before you close.
- Pending transactions can take three to five business days to clear, so plan ahead if you are closing soon after a recent transfer or payment.
- Closing by phone is usually fastest, but you can also close in person at a branch or through the mobile app if you prefer.
- Chase may charge a fee if you close the account within a certain period of opening it; check your account agreement for the exact timeframe.
Steps to close your account by phone
Call the number on the back of your debit card or Chase customer service at 1-800-935-9935. Have your account number and a form of ID ready. Tell the representative you want to close the account and confirm that your balance is zero. They will ask why you are closing and may offer incentives to keep the account open — you can decline.
The representative will confirm your mailing address and ask how you want to receive confirmation of the closure. They will also ask about any outstanding checks or pending transactions. Once everything is confirmed, they will process the closure immediately. You should receive written confirmation in the mail within one to two weeks.
Closing an account in person at a Chase branch
Bring your debit card and a government-issued ID to any Chase branch. Tell a teller you want to close the account. They will verify your balance is zero and ask the same questions as a phone representative. If there is any money in the account, they will print a check or offer to transfer it to another account you name.
In-person closure is useful if you have questions about your account history or if you want to close multiple accounts at once. The teller will give you a receipt showing the closure date. Keep this receipt until you receive written confirmation from Chase, which usually arrives within one to two weeks.
Closing through the Chase mobile app or website
Log into your Chase account on the app or at chase.com. Navigate to Settings or Account Services and look for the option to close your account. Not all account types can be closed online — if you do not see the option, you will need to call or visit a branch instead. The app will walk you through confirming your zero balance and your mailing address.
Online closure is the most convenient if your account type supports it, but it offers less opportunity to ask questions. If you have any concerns about your account history or pending transactions, call instead so you can speak to a representative directly.
What happens to your debit card after closure
Your debit card will stop working immediately after the account closes. If you have a physical card, you can destroy it or let it expire naturally. Chase will not send you a new card for a closed account. If you set up any online bill payments or subscriptions using this card, update those services with a new payment method before you close the account — they will fail after closure and may trigger late fees or service interruptions.
If you have a Chase credit card, closing your checking or savings account does not affect it. Your credit card account remains open and active unless you close it separately.
Early closure fees and account restrictions
Chase charges a fee if you close a checking or savings account within a certain period of opening it. The timeframe varies — some accounts have a 90-day restriction, others 180 days — so check your account agreement or call to ask. The fee is typically $25 to $100. If you are within the restricted period and want to close anyway, the fee will be deducted from your final balance or charged to another account you name.
If your account is in negative status (overdrawn) or has been closed due to fraud or suspicious activity, Chase may restrict your ability to open a new account for a set period. This does not prevent you from closing the current account, but it means you may not be able to open another Chase account right away.
After your account is closed
Keep your closure confirmation letter for your records. If you receive mail from Chase after closure, it is usually just a final statement or confirmation. Do not ignore it — review it to make sure there are no unexpected charges or errors. If you see a charge after the closure date, call Chase immediately to dispute it.
If you had recurring payments or subscriptions linked to this account, monitor your new account or payment method to make sure they switched over correctly. Some merchants take time to process the change, and a few may still try to charge the old account. If that happens, contact the merchant and provide your new payment information.
Frequently Asked Questions
Can I close my Chase account if I still owe money on an overdraft?
No. You must pay off any overdraft balance before Chase will close the account. If you do not have funds to cover it, you can transfer money from another account or ask Chase about a payment plan. Once the overdraft is paid, you can proceed with closure.
What if I have pending direct deposits or automatic payments?
Redirect them to your new account before you close. Direct deposits and automatic payments will stop working immediately after closure, which can cause missed payments or lost income. Contact your employer and billers to update your account information first.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because these accounts do not appear on your credit report. However, if you had overdrafts that went to collections, that may already be on your report and will not disappear just because you close the account.
How long does it take for my account to fully close?
The closure itself is immediate once you confirm a zero balance. However, Chase may take one to two weeks to send written confirmation and to fully remove the account from their system. During this time, do not attempt to use the debit card or make transactions.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closure. However, if you closed the account within the early closure fee period, Chase may flag your account history. You can still open a new account, but be aware that the bank has a record of the early closure.