Close your Chase checking account by phone, in person, or online

You can close a Chase checking account through three routes: calling Chase customer service at 1-800-935-9935, visiting a Chase branch in person, or using the Chase mobile app or website if your account is in good standing. The fastest method is usually a phone call, which takes about 10 minutes. In-person closure at a branch gives you a receipt and lets you handle any remaining balance on the spot. Online closure through the app works only if you have no outstanding checks, automatic payments, or pending transactions.

Before you close, make sure your account balance is zero or positive. If you have money left, Chase will either send you a check or let you transfer it to another account. If your account is overdrawn, you must pay the negative balance first. You should also cancel any automatic bill payments or direct deposits linked to the account at least a few days before closure, because transactions can still post after you close and create problems.

Key Takeaways

  • Call 1-800-935-9935 to close over the phone, or visit a branch with your ID and debit card for immediate closure.
  • Cancel automatic payments and direct deposits before closing, because transactions can still process after the account closes.
  • If your account has a positive balance, request a check or transfer the money to another bank account before closure.
  • If your account is overdrawn, you must pay the negative balance before Chase will close it.
  • Online closure through the app is available only if you have no pending checks, automatic payments, or transactions in progress.

What to do before you call or visit

Gather your account number and a government-issued ID before you contact Chase. If you are closing the account by phone, have your Social Security number ready for verification. If you are going to a branch, bring your debit card and ID together.

Review your account for any automatic payments or recurring charges. Log into your Chase account online or through the app and look at the last 30 days of transactions to spot subscriptions, bill payments, or transfers that repeat monthly. Contact each company or service to cancel or redirect those payments to a different account. This step takes a few days, so do it at least one week before you plan to close.

Check whether you have any outstanding checks you wrote. If you wrote checks that have not yet cleared, wait until they do or cancel them with Chase before closing. Closing an account with pending checks can cause them to bounce, which costs you overdraft fees and damages your relationship with whoever you wrote the check to.

Closing by phone

Call Chase customer service at 1-800-935-9935 and tell the representative you want to close your checking account. They will verify your identity using your account number and Social Security number. The call usually takes 5 to 10 minutes.

During the call, tell the representative what to do with any remaining balance. You can ask them to mail you a check, transfer the money to another bank account (you will need to provide the routing and account numbers), or transfer it to another Chase account you own. If your account is overdrawn, the representative will tell you the amount you owe and how to pay it before closure can happen.

Ask the representative to confirm the closure date in writing. Some Chase accounts close immediately; others close at the end of the business day. Request that they email or mail you a confirmation, because you may need proof that the account is closed if a payment tries to process after closure.

Closing in person at a Chase branch

Bring your government-issued ID and your Chase debit card to any Chase branch. Tell a teller you want to close your checking account. They will pull up your account, verify your identity, and ask what you want to do with any remaining balance.

If you have money in the account, the teller can give you cash on the spot, issue a cashier's check, or transfer the funds to another account. If the account is overdrawn, you will need to pay the balance before they can close it. You can pay with cash, a debit card, or a check.

Ask the teller for a written confirmation of closure. This receipt shows the date the account closed and is useful if a transaction tries to post afterward or if you need to prove the account is no longer active.

Closing through the Chase app or website

Log into your Chase account on the website or mobile app. Look for a settings or account management section, usually labeled "Account Services" or "Manage Account." Select the checking account you want to close and look for a "Close Account" option.

Online closure is available only if your account meets certain conditions: no pending checks, no automatic payments or bill payments set up, no recent disputes, and no negative balance. If your account does not meet these conditions, the online option will not appear, and you will need to close by phone or in person instead.

If the online option is available, follow the prompts to confirm closure. Chase will ask what to do with any remaining balance and will send you a confirmation email. The account typically closes within one business day.

What happens after you close

Your account will stop accepting deposits and withdrawals once it closes. Any automatic payments or direct deposits scheduled after the closure date will fail. Checks you wrote before closure may still clear for up to six months, so do not be surprised if one arrives at your bank after you close the account.

Chase will keep records of your closed account for at least five years. If you need a statement or proof of a past transaction, you can request it by calling customer service or visiting a branch, even after closure.

If a payment tries to process after closure and bounces, contact the company or person you owe money to and provide them with your new payment method or account information. This prevents late fees and keeps your payment history clean.

Frequently Asked Questions

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

Yes. You can open a new Chase checking account at any time by visiting a branch, calling 1-800-935-9935, or applying online. There is no waiting period, and you do not need to have closed the previous account for any specific length of time. However, if your old account was closed due to fraud or repeated overdrafts, Chase may review your application more carefully.

What if I have a negative balance when I try to close?

You must pay the negative balance before Chase will close the account. You can pay by phone, in person at a branch, or through online banking. Once the balance is paid, you can proceed with closure. If you do not pay, Chase will continue to charge overdraft fees until the account is settled.

How long does it take for a Chase checking account to close?

Most accounts close within one business day of your request. If you close in person, it happens immediately. If you close by phone or online, it may take until the end of the business day. Ask for a confirmation email or receipt so you know the exact closure date.

Will closing my Chase account hurt my credit score?

Closing a checking account does not directly affect your credit score, because checking accounts are not reported to credit bureaus. However, if you have an overdraft or unpaid balance when you close, Chase may report it as a collection account, which can damage your credit. Pay any negative balance before closure to avoid this.

What if a bill payment tries to process after I close the account?

The payment will fail and bounce. Contact the company or person you owe money to immediately and provide a new payment method. Ask them not to charge you a returned-payment fee, and explain that you closed the account. To prevent this, cancel all automatic payments at least one week before you close.