You can close a Chase savings account online, by phone, or in person at a branch
Chase lets you close a savings account through three routes: their mobile app or website, a phone call to customer service, or walking into a branch. The online and app methods are fastest — you can start the process in minutes. Phone and branch closures take longer because a representative has to verify your identity and process the request, but they let you ask questions in real time. No matter which method you choose, Chase will not charge you a fee to close the account.
Before you close, make sure your account balance is zero or move any remaining money to another account. Chase will not close an account with an outstanding balance. If you have pending transactions or scheduled transfers, those may fail once the account closes, so check your recent activity first.
Key Takeaways
- You can close a Chase savings account online through the app or website, by calling customer service, or by visiting a branch in person.
- Your account balance must be zero before Chase will close the account — transfer or withdraw any remaining funds first.
- Closing takes a few minutes online but may take several business days to fully process, and you will not receive a confirmation letter in the mail.
- If you have a linked checking account or other Chase products, closing the savings account will not affect them.
- After closure, you can no longer access the account online, and any scheduled transfers or bill payments tied to it will stop working.
Closing your account through the Chase app or website
Log into your Chase account on the mobile app or at chase.com. Navigate to the account you want to close and look for a settings or account details section — this is usually found by tapping the account name or a gear icon. You should see an option to close the account or manage the account. Tap or click it.
Chase will ask you to confirm that your balance is zero and that you want to proceed. You may also see a message asking why you are closing the account — this is optional feedback and does not affect the closure. After you confirm, the request is submitted. The account will close within a few business days, though you may lose access to it online immediately.
You will not receive a confirmation email or letter in the mail. If you need proof that the account is closed, contact Chase customer service and ask them to note the closure in your file, or take a screenshot showing the account no longer appears in your account list.
Closing your account by phone
Call the number on the back of your Chase debit card or savings account statement. Have your account number and a form of identification ready — the representative will ask for your Social Security number or other verification details. Tell them you want to close your savings account.
The representative will confirm that your balance is zero and ask a few questions about why you are closing. They will then submit the closure request and give you a reference number. Write this number down. The account will close within a few business days, and you should see it disappear from your online account list.
Closing your account in person at a Chase branch
Visit any Chase branch with a photo ID and your account number or debit card. Tell a teller you want to close your savings account. They will verify your identity, confirm your balance is zero, and process the closure on the spot. You may receive a printed receipt showing the closure, though this is not may provide at every branch.
In-person closure is useful if you have questions about what happens to linked services or if you want to move money to another account while you are there. It also gives you a chance to ask the teller to document the closure in writing if you need proof.
What happens to money still in the account
If your account has a balance when you try to close it, Chase will reject the closure request. You must move or withdraw the full amount first. You can transfer money to another Chase account you own, to an external bank account, or withdraw it as cash at a branch or ATM.
If you are closing because of a negative balance — meaning you owe Chase money — you must pay that balance before the account can close. Chase will not close an account with an outstanding debt.
What stops working after closure
Once the account closes, you can no longer access it online or through the app. Any automatic transfers, bill payments, or direct deposits linked to that savings account will fail or be rejected. If you have a Chase checking account or other products, those remain open and unaffected.
If you had a debit card tied only to that savings account, the card will stop working. If the same card is linked to a checking account, it will continue to work but will draw from the checking account instead. Contact Chase if you are unsure which accounts your card is linked to.
Frequently Asked Questions
Can I reopen a Chase savings account after I close it?
Yes. You can open a new savings account with Chase at any time after closure. You will go through the standard account opening process, which includes a credit check and verification of your identity. There is no waiting period.
What if I close my account and then realize I made a mistake?
If the account has not fully closed yet, call Chase customer service immediately and ask them to cancel the closure request. If the account has already closed, you will need to open a new account. Chase cannot reopen a closed account.
Do I need to close my account in the same way I opened it?
No. You can open an account online and close it by phone, or open it in a branch and close it through the app. The method you use to close has no connection to how you opened it.
Will closing my savings account hurt my credit score?
Closing a savings account does not affect your credit score. Savings accounts are not reported to credit bureaus. Only credit products like credit cards, loans, and lines of credit appear on your credit report.
What if I have pending transactions when I close the account?
Pending transactions may fail or bounce after the account closes. Before you close, wait for all pending transactions to clear or cancel them manually. Check your recent activity for the past few days to make sure nothing is still processing.