You cannot close a Chase account entirely through their website or mobile app
Chase does not offer a full account closure option in their online banking portal or Chase Mobile app. You will need to call Chase customer service, visit a branch in person, or use their secure message system to request closure. The fastest method is a phone call to the number on the back of your debit card or on your Chase statements — a representative can walk you through the process and answer questions about what happens to pending transactions and automatic payments.
Before you close, make sure your account balance is zero (withdraw or transfer any remaining funds), cancel any automatic bill payments linked to that account, and confirm there are no pending deposits or checks. Chase will not close an account with an outstanding balance or unresolved transactions.
Key Takeaways
- Call the customer service number on your Chase card or statement to request closure — online closure is not available.
- Empty your account completely and cancel automatic payments before you call, or the closure request will be delayed.
- Chase will mail you a confirmation letter after closure; keep it for your records in case of disputes.
- If you have a Chase credit card linked to the same account, closing the bank account does not close the credit card.
- Closing takes one to three business days after your request is processed, though some accounts may take longer if there are pending items.
What to do before you call Chase
Transfer or withdraw all money from the account. Chase will not close an account with a balance, even a small one. If you have direct deposits scheduled, update your employer or benefits provider with a new account number before closure, or those deposits will fail and bounce back.
Cancel any automatic bill payments or recurring transfers tied to the account. Log into your Chase account online and review the "Transfers & Payments" or "Bill Pay" section to see what is set up. Contact each company (utilities, insurance, subscriptions, loan servicers) to provide a new payment method or account number. If you miss this step, payments will fail and you may face late fees or service interruptions.
Check for pending checks or transfers. If you wrote checks that have not cleared, wait for them to post before closing, or they may bounce. Similarly, if you initiated a transfer to another bank that has not completed, confirm it has gone through first.
How to request closure by phone
Call the number on the back of your Chase debit card or on a recent statement. You will reach an automated system; select the option for account services or customer service. Tell the representative you want to close your account and provide your account number. They will verify your identity by asking for your Social Security number, date of birth, and possibly recent transaction details.
The representative will confirm your account balance is zero and ask whether you want any final paperwork mailed to you. They may also ask why you are closing (this is optional to answer). Once confirmed, they will process the closure request. The account will typically close within one to three business days, though some accounts take longer if there are pending items or holds.
Ask the representative for a confirmation number and note the date and time of your call. Chase will mail a closure confirmation letter to your address on file; keep this for your records.
Closing through a Chase branch in person
Visit any Chase branch with a valid government-issued ID and your debit card. Tell a teller you want to close your account. They will verify your identity, confirm your balance is zero, and process the closure on the spot. This method is fastest if you have questions or complications, because the teller can address them immediately and you leave with a receipt.
If you do not have a branch nearby or prefer not to visit in person, you can also request closure through secure message in your Chase online account. Log in, go to "Customer Service," and send a message stating you want to close your account and providing your account number. A representative will respond within one to two business days and may ask you to call to verify your identity before processing.
What happens to linked services and accounts
Closing your Chase checking or savings account does not close a Chase credit card, savings account, or other products linked to your profile. Each product is separate. If you want to close a credit card, you will need to request that separately (usually by calling the number on the back of the card).
If you have set up Chase Mobile Check Deposit or Chase QuickPay, those services will no longer work once the account is closed. If you have pending mobile check deposits, wait for them to clear before closing. Zelle transfers linked to the account will also stop working, so notify anyone who sends you money through Zelle that you are changing accounts.
What to do after closure is complete
Keep the closure confirmation letter Chase mails you. If a company tries to charge your old account after closure, you will need proof that the account no longer exists. The letter serves as that proof.
Update your records with any new bank account information. If you opened a new account at Chase or another bank, make sure your employer, benefits provider, and any companies that send you regular payments have the new account number. If you receive tax refunds, Social Security, or unemployment benefits, update your banking information with those agencies.
Monitor your credit report for the next few months. Closing a bank account does not affect your credit score, but it is good practice to check that no fraudulent activity occurred before closure and that no new accounts were opened in your name.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, but Chase may require you to wait 30 days before reopening. If you closed due to fraud or dispute, contact Chase to confirm there are no restrictions on your profile. Otherwise, you can open a new account online or at a branch after the waiting period.
What if I have a pending check that has not cleared?
Wait for the check to clear before closing the account, or it will bounce and the payee may charge you a returned check fee. You can check the status of outstanding checks in your Chase transaction history. If a check is very old, contact the payee to confirm whether they still need it.
Will closing my account hurt my credit?
No. Closing a bank account does not appear on your credit report and does not affect your credit score. Only credit accounts (credit cards, loans, lines of credit) impact your credit.
What if I have overdraft fees or a negative balance?
You must pay any negative balance before Chase will close the account. Contact customer service to confirm the exact amount owed, then transfer funds in or visit a branch to pay. Once the balance is zero, you can proceed with closure.
How long does it take for my account to fully close?
Most accounts close within one to three business days after you request closure. If there are pending transactions, holds, or unresolved issues, it may take longer. Chase will send a confirmation letter once closure is complete.