You cannot close a Chase account entirely online — you must call or visit a branch

Chase does not offer a way to close your account through its website or mobile app. You have two options: call Chase customer service at 1-800-935-9935, or walk into a Chase branch in person. Both routes take about 10 to 15 minutes. If you call, have your account number ready and be prepared to answer security questions. If you go to a branch, bring a photo ID.

The phone line is open Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Wait times vary by time of day; early morning or mid-afternoon tends to be faster than lunch hour or late afternoon. If you have a Chase Premier or Sapphire account, you can also reach a dedicated line, though you will still go through the same closure process.

Before you call or visit, make sure your account balance is zero. If you have money in the account, you can transfer it to another bank using Chase's online transfer tool, or ask the representative to issue a check. If you owe money — for overdraft fees, for instance — you must pay that balance before closing.

Key Takeaways

  • Chase account closure requires a phone call to 1-800-935-9935 or an in-person visit to a branch; the website and app do not have a closure option.
  • Bring your account number if calling, or a photo ID if visiting a branch, and have your account balance at zero before you start.
  • If you have pending transactions or automatic payments set to that account, cancel or redirect them before closing, or they may fail.
  • After closure, Chase will mail you a final statement within 30 days; keep it for your records in case of disputes or tax questions.

What to do with money and automatic payments before you close

Move any remaining balance out of the account at least one business day before you close it. Log into your Chase account online, go to Transfers, and send the money to another bank account you own. If the receiving bank is not linked yet, you can add it during the transfer — Chase will ask for the routing number and account number. The transfer usually arrives within one to three business days, depending on the receiving bank.

Next, cancel or redirect any automatic payments or direct deposits tied to that account. This includes paychecks, bill payments, subscriptions, and insurance premiums. Log into each service (your employer's payroll system, your utility company, your insurance provider) and update the account information there. Do not rely on Chase to handle this — if a payment tries to post after you close the account, it will fail, and you may face late fees or service interruptions.

Check your Chase account for any pending transactions that have not yet cleared. These can take several business days to post. If you close the account while a transaction is still pending, it may still go through, or it may bounce. Call Chase if you are unsure whether a transaction has fully cleared.

Closing a joint account or an account with a co-owner

If the account is held jointly with another person, both owners must agree to close it. Chase will not close a joint account if only one owner calls. Both of you can call together on a three-way call, or one person can call and have Chase add a note that the other owner has agreed. The second owner will then need to call to confirm.

If you want to remove yourself from a joint account without closing it entirely, you cannot do that online either — you must call or visit a branch. Chase can convert the account to a single-owner account if the remaining owner meets the account requirements (such as minimum balance or direct deposit). Ask the representative whether the account can stay open under the other person's name alone.

What happens to your debit card and checks after closure

Your debit card will stop working immediately after the account closes. If you have checks linked to that account, they will bounce if anyone tries to cash them after closure. Destroy any unused checks or debit cards yourself — do not leave them in circulation. If you are worried about a check you already wrote, call the recipient and ask them to wait, or contact Chase to see if they can stop payment on a specific check (there is usually a small fee for this).

If you have a credit card with Chase, closing your checking or savings account does not affect it. Your credit card account remains open and separate unless you specifically close that too.

After your account closes: what to expect

Chase will send you a final statement in the mail within 30 days of closure. This statement shows all transactions up to the closure date and confirms the account is closed. Keep this statement for your records — you may need it for tax purposes, to dispute a charge, or to prove you closed the account if a payment tries to post later.

If a payment or charge appears on the account after closure, contact Chase immediately. Transactions that post after closure are rare but do happen if a merchant or service provider did not receive the updated account information in time. Chase can investigate and reverse the charge if it is not legitimate.

Your account number will not be reused for at least one year. This protects you if an old check or automatic payment resurfaces — it will not accidentally post to a new account.

Frequently Asked Questions

Can I reopen a Chase account after I close it?

Yes. If you close the account and change your mind within a short window, call Chase and ask if they can reopen it. If too much time has passed, you can open a new account, but it will have a different account number. Chase may review your banking history before approving a new account.

What if I have a pending lawsuit or tax lien on my account?

Chase may not allow you to close the account if there is a legal hold or garnishment on it. Call Chase and ask whether any holds are in place. If there are, you will need to resolve the underlying issue (pay the debt, settle the lawsuit) before closure is possible.

Do I lose my transaction history after I close the account?

No. Chase keeps your transaction history for seven years. You can log into your account online and download statements even after closure. The final statement will also be mailed to you.

Will closing my account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Credit scores are based on credit accounts like credit cards and loans, not deposit accounts. Closing a Chase credit card, however, may have a small impact on your credit score.

What if I am closing the account because of fraud or unauthorized charges?

Call Chase fraud services at the number on the back of your debit card or account statement. Report the fraud before you close the account — Chase will investigate and may reverse the charges. After the investigation is complete, you can then close the account if you still want to.