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

You can close a Chase savings account through three routes: call Chase customer service at 1-800-935-9935, visit a Chase branch in person with your ID, or use 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. If you have an outstanding balance, you must withdraw or transfer it before closing. Chase will not close an account with a negative balance.

Before you close, decide what to do with any remaining money. You can transfer funds to another Chase account, move them to a different bank, or request a check. If you have pending transactions or automatic payments tied to the account, those will fail after closure, so update any billers or subscription services first.

Key Takeaways

  • Phone closure at 1-800-935-9935 is the fastest method and requires only your account number and ID verification.
  • You must withdraw or transfer your full balance before Chase will close the account; they cannot close an account with money still in it or with a negative balance.
  • Stop any automatic deposits or payments linked to the account at least a few days before closure to prevent failed transactions.
  • In-person closure at a branch takes longer but gives you a receipt and lets you handle the balance transfer immediately.
  • After closure, you will no longer be able to access the account, and Chase will not reopen it without starting a new account application.

What happens to your money when you close

Your balance does not disappear when you close the account—you control where it goes. You can transfer funds to another bank account (yours or someone else's) using Chase's online transfer tool, move money to a different Chase account you own, or request a check mailed to your address. If you close the account with money still in it, Chase will not process the closure until you move that balance.

If the account is overdrawn—meaning you owe Chase money—you must pay the negative balance before closure. Chase will not close an account with a debt outstanding. Once you settle any overdraft fees or negative balance, the account can be closed.

Stop automatic payments and deposits before closing

Any automatic deposits (paychecks, government benefits, transfers from other accounts) or automatic payments (bills, subscriptions, loan payments) tied to this savings account will fail after the account closes. This can trigger late fees, missed payments, or service interruptions. Update these with your employer, benefit provider, or billers at least three to five business days before you plan to close.

Check your recent statements to find all recurring transactions. If you are unsure whether a payment is set up, log into your Chase account online and look for "Transfers" or "Bill Pay" sections. Redirect everything to your new account before closure.

Closing by phone: the fastest route

Call Chase customer service at 1-800-935-9935 and tell them you want to close your savings account. Have your account number and a government-issued ID ready. The representative will verify your identity, confirm your balance, and walk you through where your money will go. If you have funds in the account, they will ask how you want to transfer them—to another Chase account, to an external bank, or as a check.

The call usually takes 10 to 15 minutes. After closure, you will receive a confirmation number. Write it down. The account will close within one to two business days, though you may lose access to it immediately after the call ends.

Closing in person at a Chase branch

Bring your ID and your Chase debit card (or account number if you do not have the card) to any Chase branch. Tell a teller you want to close your savings account. They will pull up your account, confirm your balance, and help you move or withdraw your money on the spot. This method takes longer than a phone call—usually 20 to 30 minutes—but you walk out with a receipt and no pending transfers.

If your balance is large or you want a cashier's check instead of a personal check, the teller can arrange that while you wait. In-person closure is also the best option if you have questions about fees or account history that require a longer conversation.

Closing through the Chase app or website

Some Chase accounts can be closed through the mobile app or online banking portal, but this option is not available for all account types or situations. Log into your Chase account, look for account settings or account management, and search for a "Close Account" option. If you see it, follow the prompts. If you do not see the option, your account type does not support online closure, and you will need to call or visit a branch.

Online closure works only if your account is in good standing—no negative balance, no holds, no pending disputes. If you have any of these issues, you must resolve them first or use phone or in-person closure instead.

What to expect after the account closes

Once closed, you cannot reopen the same account. If you change your mind, you will need to open a new savings account and go through the application process again. Chase will not restore a closed account. Your account number becomes inactive immediately, so any automatic payments or deposits sent to that number will bounce.

You will still be able to see the closed account in your Chase history for a limited time, usually 12 to 24 months, so you can reference old statements or transactions. After that, the account disappears from your online banking view. If you need records after closure, download or print your statements before you close.

Frequently Asked Questions

Can I close my Chase savings account if I have a negative balance?

No. You must pay off any overdraft or negative balance before Chase will close the account. Contact Chase to find out the exact amount owed, pay it, and then request closure.

Will closing my savings account hurt my credit score?

Closing a savings account does not affect your credit score because savings accounts are not reported to credit bureaus. Only credit accounts (credit cards, loans, lines of credit) impact your score.

How long does it take for my Chase savings account to close?

The account usually closes within one to two business days after you request it. You may lose access immediately, but the official closure takes a day or two to process. Any pending transfers or checks will complete during this window.

What if I have a pending deposit or check that has not cleared yet?

Wait for all pending transactions to clear before you close. If you close with pending items, they may fail or bounce. Check your recent activity to confirm everything has posted, then request closure.

Can someone else close my Chase savings account for me?

No. Only the account owner can request closure. If you have power of attorney or are an authorized user, call Chase to ask about your specific situation, but generally only the primary account holder can close it.