Close your Chase account by phone, online, or in person — but move your money first
You can close a Chase checking account through Chase's mobile app, online banking portal, by phone at 1-800-935-9935, or by visiting a branch in person. Before you close, transfer any remaining balance to another bank account, set up forwarding for automatic deposits and bill payments, and confirm that any pending checks or transfers have cleared. Chase does not charge a fee to close a checking account, but you need to have a zero balance to complete the closure.
The fastest method is usually the phone line or your local branch, because you can confirm the account is closed immediately and ask questions about any remaining transactions. Online closure through the app or website works if you prefer not to call, though it may take a few business days to process. Either way, keep your confirmation number or email receipt — Chase may send you a final statement within 30 days, and you will need proof of closure if a problem arises later.
Key Takeaways
- Move all your money out of the account before closing; Chase will not close an account with a balance remaining.
- Stop or redirect automatic bill payments and direct deposits at least a week before closure to avoid failed transactions.
- Call 1-800-935-9935, use your Chase app, log into Chase.com, or visit a branch — all methods are free and take minutes.
- Keep your closure confirmation number and check your final statement to ensure no unexpected charges appear after closure.
- If you have a linked savings account or credit card, closing your checking account does not affect those products.
Empty the account and redirect your money before you close
Transfer your full balance to another bank account — this is the first step and the one that takes the most planning. If you have automatic bill payments set up through Chase, those payments will fail once the account closes, which can result in late fees from your creditors. Log into your Chase account and review the last 30 days of transactions to find all recurring payments, then contact each biller (your utility company, insurance provider, loan servicer, etc.) to update your payment method or pause payments temporarily.
Do the same for direct deposits: contact your employer's payroll department or benefits administrator and provide them with your new bank account number and routing number. If you receive government benefits, Social Security, tax refunds, or other regular deposits through Chase, update those with the sending agency before you close. Wait at least one full business cycle (usually 5 to 7 days) after making these changes to confirm that deposits and payments are hitting the correct accounts, then close Chase.
If you have outstanding checks you wrote from this account, wait until they clear before closing. Checks can take 5 to 10 business days to process, and closing the account before they clear can cause them to bounce. You can check pending transactions in your Chase app or online banking to see if any checks are still outstanding.
Close through the Chase app or website in a few minutes
Open the Chase mobile app or go to Chase.com and log in with your username and password. On the app, tap the account you want to close, then look for a menu icon (three horizontal lines) or "More" option. Select "Close Account" or "Account Settings" — the exact wording varies by app version. On the website, navigate to your account details or account settings, find the option to close or manage the account, and follow the prompts.
Chase will ask you to confirm that you want to close the account and may ask why you are closing it. Answer honestly but briefly — this is optional feedback and does not affect closure. You will receive a confirmation number on screen; take a screenshot or write it down. The account closure typically processes within one to three business days, though you may see it marked as "closed" immediately in your app.
Call Chase or visit a branch for immediate confirmation
Call Chase customer service at 1-800-935-9935 and say you want to close your checking account. Have your account number ready (visible on your debit card or in your online banking). The representative will confirm your identity, verify that your balance is zero, and ask if you want to close the account. They will provide a confirmation number over the phone — write it down or ask them to email it to you.
If you prefer to close in person, visit any Chase branch with your ID and debit card. Tell the teller you want to close your checking account. They will verify your identity, confirm your balance is zero, and process the closure on the spot. You will receive a written confirmation or receipt. This method is useful if you have questions about your account history or if you want to open a new account at the same time.
What happens to linked accounts and pending transactions
Closing your checking account does not close your savings account, money market account, or credit card — those remain open unless you close them separately. If you have set up transfers between your Chase checking and savings accounts, those transfers will stop working once the checking account closes. Update any automatic transfers or linked accounts before closure.
Pending transactions (debit card charges that have not yet posted, transfers in progress, or checks that have not cleared) may still process after you close the account. Chase will honor these transactions and may temporarily reopen the account to process them, then close it again. This is normal and does not mean your closure failed. If a transaction posts after closure and overdrafts the account, contact Chase to dispute the charge or request a reversal.
Review your final statement and watch for unexpected charges
Chase will send you a final statement within 30 days of closure. This statement shows all transactions through the closure date and confirms the account is closed. Keep this statement for your records — you may need it for tax purposes, to prove you closed the account, or to dispute any charges that appear after closure.
In rare cases, a charge or fee may post after the account closes (for example, an overdraft fee from a transaction that cleared after closure, or a monthly fee if Chase did not process the closure correctly). If this happens, contact Chase with your confirmation number and explain that the account was closed. Chase can reverse the charge or refund it to your new bank account.
Frequently Asked Questions
Do I lose my debit card when I close my checking account?
Yes, your debit card will stop working once the account closes, usually within one to three business days. Destroy the card by cutting it up or shredding it. If you have not received your new debit card from your new bank yet, plan ahead and open your new account before closing Chase.
What if I still owe Chase money or have a negative balance?
Chase will not close an account with a negative balance. Pay the amount owed first, either by transferring money into the account or by calling Chase to arrange a payment. Once the balance is zero, you can close the account.
Can I reopen a closed Chase checking account?
Yes, you can reopen a closed account by visiting a branch or calling Chase, though they may ask why you closed it. If you closed it recently and changed your mind, reopening is usually straightforward. If it has been several months or longer, Chase may treat it as a new account opening and run a credit check.
Will closing my Chase account hurt my credit score?
Closing a checking account does not affect your credit score because checking accounts do not appear on your credit report. Your credit score is based on credit cards, loans, and payment history — not deposit accounts.
What if I have a pending wire transfer or ACH payment when I close?
Contact Chase before closing to confirm that all pending transfers have cleared. If a transfer is still in progress, wait for it to complete. If you close the account while a transfer is pending, Chase may reject it or temporarily reopen the account to process it. Call 1-800-935-9935 to check the status of any pending transfers.