You can close most Chase accounts online through your account settings, but the process depends on your account type and balance
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The steps are straightforward: log in, find your account settings, and request closure. However, you'll need a zero balance first — Chase won't close an account with money in it. If you have a mortgage, investment account, or credit card with Chase, those close through different channels or may require a phone call.
The online closure is fastest if your account is already empty. If you still have funds, you'll transfer or withdraw them first, which adds a day or two. Once you submit the closure request online, Chase typically confirms within a few business days, though the account may take longer to fully close in their system.
Key Takeaways
- Chase checking and savings accounts close online through your account settings, but only if your balance is zero.
- You must transfer or withdraw all remaining money before you can request closure online.
- Mortgages, investment accounts, and some credit products require a phone call to close and cannot be closed through the website.
- After you submit a closure request, Chase sends a confirmation email within a few business days.
- Closed accounts remain visible in your Chase history for a period, so you can still see old statements and transactions.
Steps to close a checking or savings account online
Log into your Chase account on the website or mobile app. Go to your account settings — this is usually under a menu labeled "Settings," "Profile," or a gear icon. Look for an option that says "Close Account" or "Account Services." Chase will show you your current balance and ask you to confirm that it is zero.
If your balance is not zero, you cannot proceed. Transfer the money to another account using Chase bill pay or an external transfer, or withdraw it at an ATM or branch. Once the balance shows zero, return to the closure request and submit it. Chase will send you a confirmation email with a reference number.
Keep that confirmation email. It proves you requested closure and gives you a record if there are questions later. The account will remain open for a few more business days while Chase processes the request, then it will be marked as closed.
What happens to your debit card and checks after closure
Your debit card stops working when ready after Chase processes the closure. If you have checks linked to that account, they will no longer clear. Chase recommends destroying any unused checks so they cannot be used by mistake or someone else.
If you have automatic payments or direct deposits set up on the account, they will fail once the account closes. Before you close, update those with your new bank or account information. This prevents missed payments or lost paychecks.
Accounts that cannot close online
Chase mortgages, home equity lines of credit, investment accounts, and brokerage accounts do not close through the online account settings. These require a phone call to Chase's customer service or a visit to a branch. Credit cards also close through a different process — you can request closure online through the credit card settings, but it works differently than closing a deposit account.
If you have a Chase checking account tied to a mortgage or investment account, you can close the checking account online, but the other products will remain open until you close them separately. Ask Chase which phone number to call for each product type, as different departments handle different closures.
How long closure takes and what you'll see after
After you submit the closure request, Chase typically confirms within one to three business days. The account may take up to 30 days to fully close in their system, though you won't be able to use it after the first few days. During that window, the account is marked as closed but may still appear in your online banking.
Once fully closed, the account will move to a "closed accounts" section of your Chase profile. You can still view old statements and transaction history there for your records. Chase keeps this information available for several years, so you do not lose access to your account history after closure.
What to do if you cannot close online
If the online closure option does not appear in your account settings, the account may have a balance you did not see, or it may be a product type that requires phone closure. Call Chase customer service at the number on the back of your debit card or on your statement. A representative can tell you why the online option is unavailable and walk you through closure over the phone.
You can also visit a Chase branch in person. Bring a photo ID and any account information you have. A banker can close the account on the spot and answer questions about what happens to your funds or linked services. This is the fastest option if you have a complex account or multiple products to close.
Frequently Asked Questions
Do I lose my transaction history after I close my account?
No. Chase keeps your statements and transaction history in your closed accounts section for several years. You can view and read old statements even after the account is fully closed, so you do not lose access to your financial records.
What if my account has a small balance I forgot about?
Transfer it to another account using Chase bill pay or an external transfer, or withdraw it at an ATM. Once the balance is zero, you can request closure online. If the balance is very small and you cannot access the account, call Chase and they can help you retrieve it or close the account with a final check.
Can I reopen a closed Chase account?
Chase does not reopen closed accounts. If you want to bank with Chase again, you will need to open a new account. The process is the same as opening any new checking or savings account, and it takes a few minutes online.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score. Credit scores are based on credit history — loans, credit cards, and payment history. Deposit accounts are not reported to credit bureaus, so closing one has no impact on your credit.
What if I have pending transactions when I close?
Wait for pending transactions to clear before you close the account. If you close while transactions are still pending, they may fail or bounce. Check your recent activity to make sure everything has posted, then confirm your balance is zero before requesting closure.