You can close most Chase accounts online through your account settings, but some account types require a phone call or branch visit

Chase lets you close checking and savings accounts through their website or mobile app without visiting a branch. The process takes a few minutes and you can do it from home. However, if you have certain account types — like a business account, investment account, or credit card — you'll need to call Chase or go to a branch instead.

Before you close an account, make sure your balance is zero or positive (no overdraft), all pending transactions have cleared, and you've set up direct deposit elsewhere if you need it. Chase will not close an account with an outstanding balance owed to them.

Key Takeaways

  • Personal checking and savings accounts can be closed online through Chase.com or the Chase mobile app in your account settings.
  • You must have a zero or positive balance and no pending transactions before Chase will process the closure.
  • Business accounts, credit cards, and investment accounts require you to call Chase at 1-800-935-9935 or visit a branch in person.
  • After you close an account, Chase will send you a final statement and you should verify the closure was completed within a few business days.

Steps to close a checking or savings account online

Log into your Chase account on Chase.com or open the Chase mobile app. Go to the account you want to close and look for the account settings or account details section. This is usually found by tapping the account name or selecting a menu option labeled "Account Services" or "Settings."

Select the option to close the account. Chase will show you a confirmation screen that lists your current balance and any pending transactions. Read through this carefully — if there are pending transactions, wait for them to clear before trying again. If your balance is not zero, you'll need to withdraw the remaining funds or deposit money to cover any negative balance.

Confirm the closure. Chase will ask you to verify that you want to close the account and may ask why you're closing it. This is optional feedback. Once you confirm, the account will be marked for closure. You should receive a confirmation message on screen and via email within a few minutes.

What happens after you close your account

Your account will stop accepting deposits and withdrawals when ready, though it may take one to three business days for the closure to fully process in Chase's system. Any checks you've written that haven't cleared yet may still be processed against the account, so make sure you have enough balance to cover them or contact Chase to stop payment on outstanding checks.

Chase will send you a final statement showing all activity through the closure date. Keep this statement for your records. If you had automatic payments or direct deposits set up on this account, those will fail after closure, so update your information with your employer, creditors, or other organizations that were sending money to this account.

Account types that require a phone call or branch visit

Business checking and savings accounts cannot be closed online. You must call Chase Business Banking at 1-800-935-9935 or visit a Chase branch with the account holder and any authorized signers present. Business accounts often have more complex requirements around outstanding checks and business obligations.

Credit cards must be closed by calling the number on the back of your card or contacting Chase Credit Card Services. Closing a credit card online is not an option through your account settings. Investment accounts, brokerage accounts, and lines of credit also require a phone call or branch visit to close.

If you're unsure whether your account type can be closed online, log into your account and look for a close account option in the settings. If you don't see one, that account type requires a call or visit.

Things to do before closing your account

Withdraw or transfer any remaining balance. If you have money in the account, you can transfer it to another bank account online, withdraw it at an ATM, or visit a branch. Make sure the balance is exactly zero before you attempt to close — Chase will not process a closure if money remains.

Stop or redirect automatic payments and direct deposits. Review any recurring payments, subscriptions, or automatic transfers linked to this account. Update your information with your employer for direct deposit, your insurance company for premium payments, and any other organizations sending or receiving money from this account. Payments that try to process after closure will fail and may result in late fees or service interruptions.

Wait for pending transactions to clear. If you've recently made purchases, transfers, or deposits that haven't posted yet, wait for them to show as complete before closing the account. Closing an account with pending transactions may cause those transactions to fail or create confusion about whether they went through.

Note your account number and routing number. Before you close, write down your Chase account number and routing number in case you need them later for tax purposes, to dispute a transaction, or to verify you had an account with Chase.

What to do if you can't close your account online

If you see an error message when trying to close your account, the most common reason is an outstanding balance or pending transactions. Go back to your account details and check the balance again. If it shows a negative number, you owe Chase money and must deposit funds to bring it to zero before closure is allowed.

If the balance is zero and you still can't close the account, call Chase at 1-800-935-9935. A representative can see if there's a hold on the account, pending transactions that haven't posted yet, or other issues preventing closure. They can also close the account for you over the phone if the online option isn't working.

If you're trying to close a business account, credit card, or investment account, you must call or visit a branch — these cannot be closed through the online portal regardless of the balance or status.

Frequently Asked Questions

How long does it take for my Chase account to fully close?

The account is closed when ready after you confirm online, but it may take one to three business days for the closure to fully process in Chase's system. During this time, any checks or automatic payments that were in process may still clear. You'll receive a final statement showing all activity through the closure date.

Will closing my Chase account affect my credit score?

Closing a checking or savings account does not affect your credit score because these accounts don't appear on your credit report. However, closing a credit card or line of credit can affect your score by reducing your available credit and changing your credit utilization ratio. If you're closing a credit product, consider the timing and impact before you proceed.

Can I reopen a Chase account after I close it?

Yes, you can open a new Chase account after closing one. However, if you closed the account due to a negative balance or other issue, Chase may review your banking history. If you closed it straightforward because you no longer needed it, opening a new account is straightforward and can be done online.

What if I have a pending check that hasn't cleared yet?

Wait for the check to clear before closing the account. If you close the account before a check clears, the check may bounce and the person who wrote it could face fees. If you've already closed the account and a check comes through, contact Chase when ready — they may be able to process it or you may need to reimburse the recipient for any fees they incurred.

Do I need to visit a branch to close my account?

No, you can close most personal checking and savings accounts entirely online through the Chase website or mobile app. You only need to visit a branch if you have a business account, credit card, or investment account, or if you encounter a technical issue that prevents you from closing online.