You can close most Chase accounts through the mobile app or online banking, but the exact steps depend on the account type

Chase lets you close checking and savings accounts online through their mobile app or website without calling or visiting a branch. The process takes a few minutes, but you need to handle a few things first: move your money out, set up direct deposits elsewhere if you have them, and make sure you have no pending transactions. Some account types—like business accounts or credit cards—require a phone call or branch visit instead.

Before you start, check your account balance. If you have money in it, you'll need to transfer it to another bank or withdraw it. Chase won't close an account with a balance. If you have automatic payments or direct deposits linked to this account, change those to your new bank account first, or they'll fail after closure.

Key Takeaways

  • Chase personal checking and savings accounts can be closed through the mobile app or online banking portal without a phone call.
  • You must move all money out of the account and cancel any automatic payments or direct deposits before closure.
  • Business accounts, credit cards, and investment accounts require you to call Chase or visit a branch in person.
  • After you request closure, Chase typically finalizes it within 5 to 10 business days, though some holds or pending checks may delay it longer.
  • Keep your account number and final statement for your records in case a check clears or a payment posts after closure.

Steps to close a checking or savings account through the app

Open the Chase mobile app and sign in. Tap the account you want to close. Look for the menu icon (three horizontal lines) in the top right corner and select "Account Services" or "Settings," depending on your app version. Scroll down and look for "Close Account" or "Account Options." Tap it.

Chase will show you the account balance and ask you to confirm. If there's money in the account, you cannot proceed—go back and transfer or withdraw the full balance first. Once the balance is zero, confirm that you want to close the account. Chase will ask you to select a reason (optional) and may show you retention offers. You can skip these. After you confirm, you'll see a confirmation message with a reference number. Take a screenshot or note this number.

The account will close within 5 to 10 business days. You'll receive a final statement by mail showing the closure date. If you have pending checks or automatic payments that haven't cleared yet, they may still process after the account closes, which can cause overdraft fees or rejection. Contact Chase if this happens.

Closing an account through Chase.com online banking

Log into Chase.com and select the account you want to close. Click on the account name or number to open the account details page. Look for a menu or settings option—this is usually represented by three dots or a gear icon. Select "Close Account" or "Account Settings."

Chase will display your current balance. If it's not zero, you'll need to stop and transfer the money out first. Once the balance is zero, confirm the closure. You may see offers to keep the account open; you can decline these. After confirmation, you'll receive a reference number and a message saying the closure request has been submitted.

The closure typically takes 5 to 10 business days to finalize. Chase will mail you a final statement. If you have any checks written against this account that haven't cleared, they will likely bounce after closure unless the balance is still there to cover them. Notify anyone you've given checks to that the account is closing.

What to do before you close the account

Transfer your money first. Log into your Chase account and move all funds to another bank account you control, or withdraw cash at a Chase ATM or branch. You cannot close an account with a balance, so this step is mandatory.

Stop or redirect automatic payments. Log into any service that pulls money from this Chase account—utilities, subscriptions, loan payments, insurance—and update the payment method to your new bank account. Do this at least a week before you request closure. If you miss one, the payment will fail and may trigger a late fee from the service provider.

Change your direct deposit. If your employer or any other source deposits money into this account, update your banking information with them to point to your new account. This can take one to two pay cycles to take effect, so do it as soon as you decide to close the account.

Check for pending transactions. Review your recent activity for any checks you've written, online bill payments, or pending transfers. Wait for these to clear before requesting closure, or they may fail or bounce.

Account types that require a phone call or branch visit

Chase business accounts cannot be closed online. You'll need to call the business banking line at the number on the back of your card or visit a branch with a business representative. Bring your business tax ID and any authorized signers' IDs.

Credit cards must be closed by phone. Call the number on the back of your card and ask to close the account. Pay off any balance first. Chase will confirm the closure and send you a written confirmation. Keep this letter in case the card is used fraudulently after closure.

Investment accounts, brokerage accounts, and retirement accounts (IRAs, 401k rollovers) have their own closure procedures and may have tax or penalty implications. Contact Chase directly or visit a branch to discuss these before closing.

What happens after you request closure

Chase processes the closure within 5 to 10 business days. During this time, the account is still open but flagged for closure. Any checks or automatic payments that clear during this window will still process. After the closure date, no new transactions can post to the account.

You'll receive a final statement by mail showing the closure date and any activity up to that date. Keep this for your records. If you need a copy of past statements after closure, you can request them through Chase.com or by calling customer service.

If a check bounces or a payment fails because the account is closed, the merchant or your bank may charge a returned-item fee. Contact Chase if this happens and ask whether they can reverse the fee as a courtesy, especially if the closure was recent.

Frequently Asked Questions

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

No. You must bring the account to zero or positive before closure. If the balance is negative (you owe Chase money), you'll need to deposit funds to cover it. If the negative balance is due to an overdraft fee, call Chase and ask if they'll waive it before you close the account.

What if I close my account and then a check clears?

The check will likely bounce and be returned to the person who wrote it. If you closed the account recently and know a check is still pending, contact Chase immediately and ask them to reopen the account temporarily or to honor the check. They may do this as a courtesy if you act quickly.

Do I need to close my Chase credit card the same way?

No. Credit cards must be closed by phone. Call the number on the back of your card, pay off any balance, and ask to close the account. You'll receive written confirmation. Closing a credit card can affect your credit score, so consider keeping old accounts open if you have no annual fee.

How long does it take for Chase to send my final statement?

Chase typically mails your final statement within 7 to 10 business days after the account closes. If you need it sooner, log into Chase.com and download a PDF of your recent statements, or call customer service to request an expedited copy.

Can I reopen a closed Chase account?

Yes, but only within a limited time frame—usually 30 to 90 days after closure, depending on the account type. After that, you'll need to open a new account. Call Chase or visit a branch if you want to reopen within this window.