Stop an automatic payment through Chase Online Banking or the mobile app
Log into your Chase account online or open the Chase mobile app. Go to the Transfers section, then select Manage Automatic Payments or Scheduled Transfers (the exact name varies by account type). Find the payment you want to stop in the list, select it, and choose Cancel or Delete. The payment will stop immediately if it has not already processed; if it is scheduled for today or tomorrow, contact Chase by phone to confirm the cancellation went through in time.
If you cannot find the payment in your Chase dashboard, it may be set up through the other company's website rather than through Chase itself. In that case, you will need to log into that company's account (your utility provider, subscription service, insurance company, or lender) and cancel the authorization there instead.
Key Takeaways
- Payments you set up through Chase Online Banking or the app can be stopped immediately in the Manage Automatic Payments section without calling.
- Payments set up through another company's website must be canceled on that company's site, not through Chase.
- If a payment is scheduled to process today or very soon, call Chase at the number on the back of your card to stop it before it clears.
- After you cancel an automatic payment, check your account for the next few days to confirm the payment did not go through.
- If a payment processes after you canceled it, you can dispute it as an unauthorized transaction or request a refund directly from Chase.
Cancel a payment by phone if you cannot access online banking
Call the customer service number on the back of your Chase debit or checking card. Tell the representative which automatic payment you want to stop and provide the name of the company and the amount. They will cancel it in the system and give you a confirmation number. Write down the date and time of the call and the confirmation number in case you need to reference it later.
Phone cancellation is slower than online cancellation because the representative has to enter it manually, so use this method only if you cannot log in or if the payment is processing within hours and you need immediate confirmation.
Stop payments set up through the other company's website
Many automatic payments—subscriptions, utility bills, insurance premiums, loan payments—are authorized directly through the company's website, not through Chase. Chase sees only the incoming debit request, not the original setup. To stop these payments, you must go to that company's website, log into your account, find the payment settings or billing section, and cancel the authorization there.
Look for a section called Billing, Payment Methods, Subscriptions, Recurring Charges, or Automatic Payments. Select the payment you want to stop and choose Cancel, Remove, or Delete. Some companies require you to call them directly to cancel; check their website for the phone number if you cannot find a cancel button online.
What happens to a payment you cancel
If you cancel before the payment processes, it will not leave your account. If you cancel after the money has already been deducted, you will need to request a refund from Chase or dispute the charge. Chase processes most automatic payments on the date they are scheduled, so canceling the day before is usually safe; canceling on the day of processing is risky because the payment may have already been submitted to the banking system.
Check your Chase account balance and recent transactions for the next two to three days after you cancel to confirm the payment did not go through. If it did, contact Chase immediately to report it.
Dispute an automatic payment that went through after you canceled it
If money left your account after you canceled the payment, you have two options: request a refund directly from the company, or file a dispute with Chase. Contact the company first and explain that you canceled the authorization. Many companies will refund the charge immediately without requiring a dispute.
If the company refuses to refund it, log into your Chase account, find the transaction, and select Report as Unauthorized or Dispute This Transaction. Chase will investigate and typically refund the money within 10 business days while the dispute is pending. Provide any documentation you have—screenshots of the cancellation confirmation, emails from the company, or records of your phone call to Chase.
Prevent future automatic payments you do not want
Before you sign up for any service that charges your account automatically, read the cancellation policy. Some companies make it easy to cancel online; others require a phone call or written request. If a company's cancellation process is unclear, contact them before you sign up and ask how to stop the payment.
When you receive a confirmation email after setting up an automatic payment, save it. It usually contains the company's customer service number and instructions for canceling. If you lose the email, you can still find the company's website and look for a "Contact Us" or "Help" section.
Frequently Asked Questions
Can I stop an automatic payment the same day it is scheduled to process?
It depends on the time. Most automatic payments process early in the morning, so if you cancel before 6 a.m. on the scheduled date, it will likely stop. If it is already mid-morning or afternoon, the payment may have already been submitted to the banking system and cannot be stopped online. Call Chase immediately to try to stop it by phone.
What if I do not remember which company is charging me?
Look at your recent Chase transactions and find the charge you want to stop. The company name will appear next to the amount. Search for that company name online, go to their website, and log into your account to find the payment settings. If you cannot log in, call the company's customer service number (usually on your bill or receipt) and ask them to cancel the automatic payment.
Do I need to close my account to stop all automatic payments?
No. Cancel each automatic payment individually through Chase or through each company's website. Closing your account is unnecessary and will affect your credit and banking history. After you cancel all the payments, your account will function normally.
How long does it take for a canceled payment to stop showing up in my account?
Once you cancel, the payment will not process on the next scheduled date. If it already processed before you canceled, the refund typically appears in your account within three to five business days, depending on the company and Chase's processing time.
Can Chase stop a payment that another company set up on my account?
Chase can block future payments from that company if you ask them to, but the fastest way is to cancel directly on the company's website. If you want Chase to block all payments from a specific company, call the number on your card and ask them to place a restriction on that merchant code or company name.