You can close a Chase savings account by phone, in person, or online, depending on your account type and whether you have a balance

The fastest way to close a Chase savings account is to call Chase customer service at 1-800-935-9935. A representative can process the closure immediately and arrange for any remaining balance to be transferred to another account or mailed as a check. If you have a zero balance, you can also close the account in person at any Chase branch with your ID, or through the Chase mobile app or website if your account is may be able to access for online closure.

Before you close, make sure any automatic transfers or bill payments linked to the account are moved to another bank account first. Chase will not process the closure if pending transactions are still attached to the account. You should also verify that you have received your final statement and that any interest earned has posted.

Key Takeaways

  • Call 1-800-935-9935 to close your account by phone; a representative can transfer your balance or arrange a check in the same call.
  • Visit a Chase branch in person with your ID if you prefer to close the account face-to-face, though this works best if your balance is zero.
  • Remove any automatic transfers, bill payments, or direct deposits linked to the account before closing, or Chase will delay the closure.
  • Request written confirmation of the closure and keep it for your records in case disputes arise later.

Closing by phone is usually the fastest option

Call Chase customer service at 1-800-935-9935 and tell the representative you want to close your savings account. Have your account number and ID ready. The representative will verify your identity, confirm your current balance, and ask where you want the money to go.

If you have a balance, you can choose to transfer it to another Chase account you own, transfer it to an external bank account, or request a check mailed to your address. Transfers to another Chase account happen immediately. Transfers to an external bank account take 1 to 3 business days. A mailed check typically arrives within 7 to 10 business days.

The representative will also confirm that no pending transactions, automatic transfers, or bill payments are attached to the account. If there are, you will need to remove them first or the closure will be delayed. Once everything is clear, the account closes that same day.

Closing in person at a Chase branch

Walk into any Chase branch with your ID and ask to close your savings account. Bring your account number if you have it, though the teller can look it up with your ID. This method works best if your balance is zero or very small, because the teller can process it on the spot.

If you have a balance, the teller will ask where you want the money sent. You can transfer it to another Chase account immediately, request a check, or provide details for an external bank transfer. The teller will also check for any pending transactions or automatic payments tied to the account.

Ask the teller for written confirmation of the closure before you leave. This confirmation should include the date the account was closed and the final balance. Keep this document for your records.

Closing through the Chase app or website

Not all Chase savings accounts can be closed online. High-yield savings accounts and some specialty accounts are may be able to access, but traditional savings accounts often require a phone call or branch visit. Log into the Chase mobile app or website and look for account settings or account management options.

If the online closure option is available for your account, you will see a "Close Account" button. Click it and follow the prompts. You will be asked to confirm your identity and choose where your remaining balance should go. If your account has a zero balance, the closure completes immediately. If you have a balance, Chase will process the transfer according to your choice.

After you submit the request, you should receive an email confirmation within 24 hours. Check your email and keep that confirmation. If you do not receive one, call customer service to verify the closure went through.

What to do before you close the account

Review your account for any automatic transfers, recurring bill payments, or direct deposits. These must be removed or redirected before Chase will close the account. Log into your account online or call customer service to see what is attached.

If you receive direct deposits (like a paycheck or government benefits), update your employer or the paying agency with your new bank account number before closing. If you have automatic bill payments set up, log into each biller's website and update your payment method. Do not rely on Chase to notify them.

Check your most recent statement to see your current balance and confirm the interest rate you earned. Make sure any interest posted before you close. If you have a very small balance (under $1), ask whether Chase will waive it or if you need to withdraw it first.

What happens after the account closes

Once closed, you cannot use the account or access it online. If you chose a transfer to another account, the money arrives according to the timeline you selected. If you requested a check, watch for it in the mail and deposit it promptly.

Chase will send you a final statement showing the closure date and the final balance. This statement may arrive 30 to 60 days after closure. Keep it for your tax records and for proof that the account was closed, especially if you had earned interest that year.

If you later realize you need to access something from the account, you cannot reopen it. You would have to open a new account. For this reason, make sure you have downloaded or printed any statements you need before closing.

Frequently Asked Questions

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

No. You must bring the account to zero or positive before closing. If you owe Chase money, call customer service to arrange payment first. Once the balance is paid, you can proceed with closure.

What if I have pending transactions when I try to close?

Chase will not close the account until all pending transactions clear. Wait for them to post, then try again. This usually takes 1 to 3 business days. If a transaction is stuck pending, call customer service to investigate.

Do I need to close the account in person if I have a large balance?

No. You can close by phone or online regardless of balance size. Phone closure is often faster because a representative can process the transfer immediately and confirm it in real time.

Will closing my savings account hurt my credit score?

No. Closing a savings account does not affect your credit score. Credit scores are based on credit history and borrowing behavior, not deposit accounts.

How long does it take to close a Chase savings account?

By phone or in person, closure is immediate. The account closes that day. If you requested a transfer to an external bank, that transfer takes 1 to 3 business days. A mailed check takes 7 to 10 business days to arrive.