How to close a Chase account
You can close a Chase checking or savings account by phone, in person at a branch, or through the Chase mobile app. The fastest route is usually a phone call to Chase customer service at 1-800-935-9935, where you can close the account in minutes without visiting a branch. If you close online through the app, you'll need to follow Chase's prompts to confirm the closure, though this method is not available for all account types. In person, any Chase branch can process the closure on the spot.
Before you close, make sure your account balance is zero or positive—if you owe money, Chase will deduct it from any remaining funds or send you a bill. Withdraw or transfer any remaining balance first if you want to keep it. Also check that no automatic payments or direct deposits are still tied to the account, because those transactions will fail once the account closes.
Chase will send you a confirmation letter in the mail within 7 to 10 business days. The account itself closes immediately when you request it, but it can take up to 30 days for the closure to fully process on Chase's end and for the account number to stop appearing in their system.
Key Takeaways
- Call Chase at 1-800-935-9935 to close an account by phone, which takes about 5 to 10 minutes and requires no branch visit.
- Withdraw or transfer your remaining balance before closing, and cancel any automatic payments or direct deposits linked to the account.
- If your account has a negative balance, Chase will deduct what you owe from any funds in the account or bill you separately.
- The account closes immediately when you request it, but Chase will mail a confirmation letter within 7 to 10 business days.
- It can take up to 30 days for the closure to fully process and for the account number to stop appearing in Chase's system.
What to do before you close
Move money out of the account first. If you have a positive balance, transfer it to another bank account or withdraw it in cash. If you leave money in the account when you close it, Chase will hold it and you'll have to contact them to retrieve it—this can take several weeks.
Stop all automatic payments and direct deposits. Log into your Chase account online or through the app and review your recent transactions to see what's set to come in or go out. Update any bills, employers, or services that send money to this account so they use a different account number instead. If you miss one, the payment will fail and you may face a late fee from the biller.
Check your account balance. If it's negative—meaning you owe Chase money—the bank will deduct what you owe before closing the account. If there's not enough money in the account to cover the debt, Chase will send you a bill for the remaining amount. Pay any overdraft fees or other charges before you close to avoid this.
Closing by phone
Call Chase customer service at 1-800-935-9935. Have your account number and a form of ID ready. The representative will ask why you're closing the account (this is optional to answer), verify your identity, and confirm that you want to proceed. They'll tell you the account is closed and provide a confirmation number—write this down.
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, especially on weekday mornings. If you call during a busy time, you may wait 15 to 30 minutes before reaching a representative.
Closing in person at a branch
Visit any Chase branch with a government-issued ID and your account number. A banker will process the closure on the spot. Bring a checkbook or recent statement if you have one, though it's not required. If your account has a positive balance, you can ask the banker to give you a cashier's check or withdraw the money in cash at that time.
Branch hours vary by location, but most Chase branches are open Monday through Friday 9 a.m. to 5 p.m. and Saturday 9 a.m. to 1 p.m. Some branches have extended hours. You can find your nearest branch and its hours on Chase's website or through the mobile app.
Closing through the Chase mobile app
Open the Chase app, go to the account you want to close, and look for a settings or menu option. Not all account types can be closed through the app—if you don't see a close option, you'll need to call or visit a branch instead. If the option is available, tap it and follow the prompts to confirm your identity and request closure.
The app will show you a confirmation message once the closure is submitted. You'll still receive a confirmation letter in the mail within 7 to 10 business days. If you don't see the close option in the app, it means that account type requires a phone call or branch visit.
What happens after you close
Chase will mail you a confirmation letter within 7 to 10 business days. This letter includes the date the account closed and your final balance. Keep this letter for your records in case you need proof of closure later.
The account closes immediately when you request it, but it can take up to 30 days for the closure to fully process in Chase's system. During this time, the account number may still appear in your online banking profile, but you won't be able to use it. Any transactions sent to the account after closure will be rejected.
If you had a positive balance and didn't withdraw it before closing, Chase will hold the funds. Contact Chase within 30 days to request a check or transfer to another account. After 30 days, unclaimed funds may be turned over to your state's unclaimed property program, and you'll have to file a claim to recover them.
If you have a negative balance or owe money
A negative balance means you owe Chase money—usually from overdraft fees, returned checks, or other charges. When you close the account, Chase will deduct what you owe from any remaining funds. If there's not enough money in the account to cover the debt, Chase will send you a bill for the remaining amount.
You must pay this debt. If you don't, Chase may report it to a collection agency or pursue legal action. The debt will also appear on your ChexSystems report, which banks use to decide whether to open new accounts for you. Pay the bill as soon as you receive it to avoid these consequences.
If you're unsure whether you owe money, log into your Chase account online or call customer service to check your balance before you close. This way you'll know what to expect.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, you can reopen a closed Chase account, but only within a certain window—usually 30 to 90 days after closure. After that, you'll have to open a new account instead. Contact Chase customer service to ask if your closed account can be reopened, or visit a branch to open a new one.
What if I have a pending transaction when I close my account?
Pending transactions may still process after you close the account. If a transaction posts after closure, Chase will either reject it or deduct it from any remaining balance. Contact Chase immediately if a transaction posts to a closed account so they can help you resolve it.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because these accounts don't appear on your credit report. However, if you owe money on the account when you close it and don't pay, that debt could be reported and harm your score.
How long does it take for a Chase account to fully close?
The account closes immediately when you request it, but it can take up to 30 days for the closure to fully process in Chase's system. During this time, the account number may still show in your profile, but you won't be able to use it. You'll receive a confirmation letter within 7 to 10 business days.
What if I forgot to cancel automatic payments before closing?
Contact the companies or services that were set to pay from that account and give them your new account number or payment method. They'll update their records and retry the payment. If a payment failed because the account was closed, contact the biller to explain and ask them to waive any late fees.