You can close a Chase account by phone, in person, or online, depending on the account type

Chase lets you close most checking and savings accounts through their customer service line at 1-800-935-9935, by visiting a branch in person, or through the Chase mobile app or website. The fastest method is usually a phone call — you'll reach someone within a few minutes during business hours, and they can walk you through the process and confirm your account is closed before you hang up. If you prefer to do it in person, bring a photo ID to any Chase branch.

Before you close the account, make sure any pending transactions have cleared, set up direct deposits or automatic payments elsewhere if you need them, and withdraw or transfer any remaining balance. Chase will not charge you a fee to close an account, but if your account is overdrawn, you'll need to pay that balance first.

Key Takeaways

  • Call Chase at 1-800-935-9935 during business hours to close your account over the phone, which usually takes less than 10 minutes.
  • Visit any Chase branch with a photo ID if you prefer to close your account in person.
  • Transfer or withdraw your remaining balance before closing, and confirm that any pending transactions have posted.
  • Chase does not charge a fee to close an account, but you must pay any negative balance before the account can be closed.
  • After closing, keep your final statement for your records and monitor the account for a few weeks to may support no unexpected charges appear.

What to do before you call or visit

Start by moving money out of the account you want to close. If you have a balance, transfer it to another bank account or withdraw it in cash. If the account is overdrawn — meaning you owe Chase money — you cannot close it until you pay that amount in full.

Next, check for any pending transactions. Log into your Chase account online or through the app and look at your recent activity. If you see charges that haven't posted yet, wait a day or two for them to clear before you close the account. This prevents confusion later if a transaction posts after the account is closed.

If you have automatic payments or direct deposits set up on this account, change them now. Contact your employer, your benefits provider, or any company that sends you regular payments and give them your new account number. Do the same for any bills you pay automatically from this account — update those payees with a different account or payment method.

Closing your account by phone

Call Chase customer service at 1-800-935-9935. You'll need your account number and a photo ID handy. Tell the representative you want to close your account and confirm which account (if you have more than one with Chase).

The representative will ask you why you're closing the account — this is optional to answer, but Chase may ask to try to keep your business. They'll confirm your account balance, make sure there are no pending transactions, and process the closure. If there's a remaining balance, they'll ask how you want it handled — usually they'll mail you a check or let you transfer it to another account.

Ask the representative to confirm the account is closed before you end the call. Request a confirmation number or reference number for your records. The closure typically takes effect when ready, though it may take a few business days for the account to disappear from your online banking.

Closing your account in person at a branch

Bring your photo ID and any debit cards associated with the account to your nearest Chase branch. Tell a teller you want to close the account. They'll pull up your account, confirm the balance, and process the closure right there.

If you have a remaining balance, the teller will ask how you want it handled. You can request a check mailed to your address, a transfer to another account, or cash if the amount is reasonable. The teller will give you a receipt showing the account is closed.

This method works well if you want to handle everything face-to-face and get a paper receipt when ready. It usually takes 10 to 15 minutes.

Closing your account through the Chase app or website

Log into your Chase account on the website or mobile app. Look for account settings or account management options — the exact location varies depending on your device and which version of the app or website you're using. Some accounts can be closed directly from the app under "Account Services" or "Settings," while others may require you to call or visit a branch.

If the option to close appears, select it and follow the prompts. Chase will confirm your account balance and ask how you want any remaining money handled. You'll receive a confirmation on screen and via email.

If you don't see a close account option in the app or website, you'll need to call or visit a branch instead — not all account types can be closed online.

What happens after you close your account

Your debit card will stop working when ready. If you have checks linked to this account, stop using them right away. Chase will not honor checks written on a closed account.

Keep your final statement for your records. It shows the closing date and the final balance. If Chase mailed you a check for any remaining balance, it may take 5 to 10 business days to arrive.

Watch your credit report over the next few weeks. A closed account may appear on your credit report for several years, but this is normal and does not hurt your credit score. If you see any unexpected charges or activity on the account after it's closed, contact Chase when ready — this is rare, but it's worth monitoring.

If you have a joint account or a business account

If the account is joint, both account holders usually need to agree to close it. Call Chase and ask whether both owners need to be on the call or present in person. Some branches will close a joint account if only one owner is present, but this varies by location and account type.

Business accounts and certain savings products like CDs (certificates of deposit) may have different closure rules. If you're closing a business account, bring your business ID and any documentation Chase asks for. If you have a CD, you may face an early withdrawal penalty if you close before the term ends — ask the representative about this before you proceed.

Frequently Asked Questions

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not directly hurt your credit score because Chase does not report these accounts to credit bureaus. However, if you close a credit card account, that may have a small impact on your credit score because it reduces your available credit. Closing a bank account itself is not a credit event.

Can I reopen a Chase account I just closed?

Yes, you can open a new Chase account at any time. However, if you closed the account due to a negative balance or fraud, Chase may review your history before letting you open a new one. If you closed it for other reasons, opening a new account is straightforward and can usually be done online or in a branch.

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 and a check posts afterward, Chase may return it unpaid or charge you an overdraft fee. Check your recent activity in the app or online to see if the check has posted. If you're unsure, call Chase and ask them to check for pending items before you close.

Do I need to destroy my debit card after closing?

You don't have to, but it's a good idea. Cut it up or shred it so it cannot be used. The card will stop working when ready when the account closes, but destroying it prevents accidental use or confusion later.

How long does it take for a closed Chase account to disappear from my online banking?

Usually 3 to 5 business days. After that, you won't see the account listed in your Chase online banking anymore. If it's still there after a week, call Chase to confirm the closure went through.