You can close a Chase savings account through the app, but only if your balance is zero and you have no pending transactions
Chase does not offer a full account closure option inside the mobile app. Instead, you transfer your remaining balance to another account (either within Chase or at a different bank), bring your balance to exactly zero, and then contact Chase customer service to formally close the account. The app lets you move money out, but the final closure step happens over the phone or through a Chase branch.
If your account has a balance or pending transactions, Chase will not close it. You must wait for all transactions to post and move every dollar out first. This usually takes one to three business days after your last transfer.
Key Takeaways
- Transfer your entire savings account balance to another account using the Chase app before attempting to close.
- Wait for all pending transactions to clear and confirm your balance shows $0.00 in the app.
- Call Chase customer service at the number on the back of your debit card or visit a branch to request the formal closure.
- Chase will send you written confirmation of the closure, usually within five to seven business days.
- If you have automatic transfers or bill payments linked to this account, cancel or redirect them before closing.
Transfer your balance out using the app
Open the Chase mobile app and go to your savings account. Tap the account name to open the account details page. Look for a "Transfer" or "Move Money" button—the exact label varies depending on your app version, but it is usually near the top of the screen or in a menu marked with three horizontal lines.
Select "Transfer Out" or "Send Money." Choose whether you want to move the money to another Chase account you own or to an external bank account. If you are moving it within Chase, select the destination account from your list. If you are moving it to a different bank, you will need the routing number and account number of that bank. Enter the full balance you want to transfer—do not leave any amount behind.
Confirm the transfer amount and review the details. Chase will show you when the transfer will complete. Transfers between Chase accounts usually post the same day or next business day. Transfers to external banks typically take one to three business days. Do not close the account until the transfer has fully posted and your savings account balance reads $0.00.
Check that your balance is zero and all transactions have cleared
Go back to your savings account in the app and refresh the page. Your balance should show $0.00 with no pending transactions listed. If you see pending transactions, wait for them to post before proceeding. Pending transactions can take up to three business days to clear, depending on the type of transaction and the merchant or receiving bank.
If you transferred money to an external bank and that transfer is still pending, do not contact Chase to close the account yet. Wait until the transfer shows as complete in your Chase app and the receiving bank has received the funds. Once everything has cleared and your balance is truly zero, you are ready to call for closure.
Call Chase customer service or visit a branch to close the account
The Chase app does not have a button to close the account. You must contact Chase directly. Call the customer service number on the back of your debit card or on your most recent Chase statement. Have your account number ready. Tell the representative you want to close your savings account and confirm that your balance is zero.
The representative will verify your identity, confirm the account details, and process the closure. They may ask why you are closing the account, but you are not required to provide a reason. The call usually takes five to ten minutes. Ask the representative for a confirmation number and write it down.
Alternatively, visit a Chase branch in person with your ID and debit card. A banker can close the account on the spot and give you a receipt. This is often faster than calling if you have a branch nearby.
What happens after you request closure
Chase will send you written confirmation of the closure by mail, usually within five to seven business days. Keep this letter for your records. Your account will no longer appear in the app after closure is complete, though it may take a day or two to disappear from your account list.
If you have any recurring transfers, bill payments, or automatic deposits linked to this savings account, they will fail once the account is closed. Before you close the account, log into the app and check your transfer settings and bill pay setup. Cancel or redirect any automatic payments to a different account.
If you cannot close the account through the app
Some savings accounts have restrictions that prevent closure through normal channels. If you have a promotional rate or a bonus offer tied to the account, Chase may require you to wait until the promotion period ends. If you have a negative balance or an outstanding fee, you must pay it before closing. If the account is linked to a credit card rewards program or a mortgage, Chase may require you to contact a specialist.
Call customer service and ask why the account cannot be closed. They will tell you what needs to happen first. In most cases, waiting a few days or paying a fee resolves the issue.
Frequently Asked Questions
Can I close my Chase savings account if it has a pending deposit?
No. Wait for the deposit to post and clear before requesting closure. Pending transactions can take up to three business days. Once the deposit has posted and your balance is confirmed at $0.00, you can proceed with closing the account.
What if I forgot to cancel automatic transfers before closing?
Those transfers will fail and bounce back to the sending account. Contact the organization or person sending the money and provide them with your new account number. You may also need to contact Chase to explain the failed transfer if it affects a bill payment or loan.
Will closing my savings account hurt my credit score?
No. Closing a savings account does not affect your credit score because savings accounts are not reported to credit bureaus. Only credit accounts like credit cards and loans appear on your credit report.
How long does it take for my account to disappear from the app after closure?
Usually one to two business days after Chase processes the closure. You will receive written confirmation by mail within five to seven business days. The account may still appear in your app briefly, but it will be marked as closed.
Can I reopen a closed Chase savings account?
Yes, but Chase may treat it as a new account. You can open a new savings account through the app or at a branch. If you closed the account due to a fee or issue, ask customer service whether that issue has been resolved before opening a new account.