You can close a Chase account by phone, in person, or online, but the method depends on the account type and whether you have an outstanding balance
Chase lets you close most checking and savings accounts through their customer service line at 1-800-935-9935, at any Chase branch in person, or through your online banking portal if the account has a zero balance. Before you close, you need to withdraw or transfer any remaining money, pay off any overdrafts or fees owed, and make sure no automatic payments or direct deposits are still tied to that account. Once the account is closed, Chase will send you written confirmation.
The timeline varies: closing over the phone or in person usually takes a few minutes, but it can take up to 10 business days for the account to fully close in their system. During that window, any pending transactions may still post. If you have a credit card with Chase, that requires a separate closure process and does not happen when you close a deposit account.
Key Takeaways
- You must have a zero balance and no pending automatic payments before Chase will close your account.
- Phone closure (1-800-935-9935) is the fastest option if you cannot visit a branch, and takes effect immediately in most cases.
- In-person closure at a Chase branch requires a government-issued ID and gives you written confirmation on the spot.
- After closure, keep your final statement and confirmation letter for your records in case a transaction posts after the account closes.
- Closing a deposit account does not close any Chase credit cards you hold; you must contact the credit card division separately.
Prepare your account before you close it
Before you contact Chase, withdraw or transfer all money in the account. If there is a balance remaining when you request closure, Chase will not process it immediately—they will hold the account open until the balance is cleared. You can transfer money to another bank using online banking, request a cashier's check at a branch, or withdraw cash.
Check for any outstanding fees or overdraft charges. If your account is negative or has pending fees, you must cover those before closure. Log into your Chase account online or call 1-800-935-9935 to review your current balance and any holds or pending transactions.
Cancel or redirect any automatic payments, bill pay arrangements, or direct deposits linked to the account. This includes paychecks, insurance payments, loan payments, subscription charges, or any other recurring transactions. If you miss this step, payments may fail or bounce after the account closes, which can result in late fees from the other party. Give yourself at least a week to redirect these before you close the account.
Close your account by phone
Call Chase customer service at 1-800-935-9935 and tell them you want to close your account. Have your account number ready. The representative will confirm your identity by asking for your Social Security number, date of birth, or other verification details. They will review your account balance, confirm there are no pending transactions, and process the closure.
The account will close immediately in most cases, though it can take up to 10 business days to fully clear from Chase's system. Ask the representative for a confirmation number and note the date and time of your call. If you do not receive written confirmation in the mail within two weeks, call back and request it.
Close your account in person at a branch
Visit any Chase branch with a government-issued ID (driver's license, passport, or state ID). Tell the teller you want to close your account and provide your account number. The teller will verify your identity, confirm your balance is zero, and process the closure on the spot. You will receive a written confirmation letter immediately.
Bring any debit cards or checks associated with the account so you can destroy them in front of the teller, or ask the teller how to dispose of them safely. If you have pending transactions or an outstanding balance, the teller will tell you what needs to be resolved before closure can proceed.
Close your account online through Chase banking
If your account has a zero balance and no pending transactions, you may be able to close it through your online Chase banking portal. Log in, navigate to your account settings or account details, and look for a "close account" or "close this account" option. Not all account types offer online closure, so this option may not appear for your account.
If the online option is not available, you will need to use the phone or branch method. Online closure still requires verification and can take up to 10 business days to complete.
What happens after your account closes
Chase will send you a final statement showing all transactions through the closure date. Keep this statement and your confirmation letter for your records. If a transaction posts after the account closes—which can happen with checks or automatic payments that were already in the system—Chase will either return it unpaid or contact you about how to handle it.
Your account number will not be reused for at least five years, so there is no risk of someone else receiving your account number. If you had overdraft protection linked to another account or credit card, that protection ends when the account closes.
If you plan to open a new Chase account later, closing an old one does not prevent you from doing so. However, if your account was closed due to fraud or violation of Chase's terms, you may face restrictions on opening new accounts.
Closing a Chase credit card is different from closing a deposit account
If you have a Chase credit card, closing your checking or savings account does not close the card. You must contact the credit card division separately at the number on the back of your card or through your online credit card portal. Credit card closure has different rules: you should pay off the full balance before closing, and closing a card can affect your credit score by reducing your available credit.
If you have both a deposit account and a credit card with Chase and want to close both, handle them as two separate closures.
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 Chase will close it. If you owe money due to overdrafts or fees, pay that amount first. Once the balance is settled, you can request closure.
What if I have a pending check or automatic payment that hasn't cleared yet?
Wait until all pending transactions have posted or been cancelled before closing. If you close with pending items, they may bounce or fail, and the account may remain open until they clear. Contact Chase if you are unsure whether a transaction is still pending.
Will closing my Chase account hurt my credit score?
Closing a deposit account (checking or savings) does not affect your credit score. Closing a credit card can lower your score slightly by reducing your total available credit, but the impact is usually small and temporary.
How long does it take to close a Chase account?
Closure is immediate when you close in person or by phone, but the account can take up to 10 business days to fully clear from Chase's system. During that time, pending transactions may still post.
What should I do with my debit card after I close my account?
Destroy it by cutting it in half or shredding it. You can also ask a Chase teller to destroy it for you. Do not throw it away intact, as it could be stolen from the trash.