How to Close Your Chase Bank Account

How to close a Chase bank account

You can close a Chase bank account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app or website. Chase does not charge a fee to close an account. Before you close, make sure any automatic payments or direct deposits linked to the account are moved to another bank account, and that you have withdrawn or transferred out any remaining balance.

The fastest method is usually a phone call to the number on the back of your debit card or on your Chase statement. A representative can walk you through the process and confirm the account is closed. If you close in person at a branch, bring a government-issued ID. Online closure through the app or website may be available depending on your account type, but not all Chase accounts can be closed digitally.

Key Takeaways

• Call the customer service number on your Chase card or statement, visit a branch with your ID, or use the Chase app to close your account — there is no fee.
• Before closing, move any automatic bill payments, direct deposits, and recurring transfers to another bank account so they do not fail.
• Withdraw or transfer your remaining balance to avoid having Chase mail you a check, which can take one to two weeks.
• Ask for written confirmation that your account is closed, or check your Chase app within a few days to verify the account no longer appears.

Steps to close your account by phone

Call the customer service number printed on the back of your Chase debit card or credit card. If you do not have a card, you can find the number on your most recent Chase statement or on the Chase website. Have your account number and a government-issued ID ready — the representative may ask you to verify your identity by providing your Social Security number or other personal details.

Tell the representative you want to close the account. They will ask whether you want to close just the checking account, just the savings account, or both. If you have multiple accounts, be clear about which ones you are closing. The representative will confirm that there are no outstanding checks, pending transfers, or automatic payments tied to the account. If there are, you will need to cancel or redirect those first.

Once the account is closed, ask the representative for a confirmation number and the date the closure takes effect. Write this down. The representative may also offer to mail you a written confirmation, which is helpful to keep for your records.

Steps to close your account in person

Visit any Chase branch during business hours with a government-issued ID such as a driver's license or passport. Tell a teller or branch representative that you want to close your account. They will pull up your account and review any outstanding transactions, automatic payments, or pending transfers.

If you have a balance in the account, you can ask the teller to withdraw the funds in cash, transfer them to another account (at Chase or another bank), or have Chase mail you a check. Withdrawing in cash or transferring to another account is faster than waiting for a mailed check. The teller will process the closure and give you a receipt or confirmation number.

What to do before you close

Review your account for any automatic bill payments, subscription charges, or recurring transfers. Log into your Chase account online or through the app and look at your recent transactions to see which companies or services charge you regularly. Contact those companies or services directly and update your payment method to a different bank account or credit card before you close the Chase account.

Check whether you have any direct deposits set up, such as a paycheck or government benefit payment. Contact your employer or the organization sending the deposit and provide them with your new bank account number and routing number so the deposits go to the correct account after you close.

Withdraw or transfer any remaining balance. If you leave money in the account when you close it, Chase will mail you a check, which typically takes one to two weeks. It is faster to transfer the balance to another bank account you control or withdraw it as cash at a Chase ATM or branch.

What happens after you close your account

Your Chase debit card will stop working when ready or within one business day. If you have a Chase credit card linked to the same account, that card will continue to work — closing a checking or savings account does not close a credit card account.

Chase will continue to report the closed account to the credit bureaus for up to seven years as part of your credit history. This does not hurt your credit score; closed accounts in good standing actually stay on your report longer and can help your credit profile.

Check your Chase app or log into your online account within a few days to confirm the account no longer appears in your account list. If it still shows up after a week, call customer service to verify the closure went through.

Closing a joint account

If the account is held jointly with another person, both account holders usually need to consent to close it. Call Chase or visit a branch and let them know the account is joint. The representative will explain whether both owners need to be present or whether one owner can close it on behalf of both. Requirements vary by account type and state.

If you are a joint owner but the other owner does not want to close the account, you may be able to remove yourself from the account instead. This is called removing yourself as an authorized user or closing your ownership stake. Ask the representative whether this option is available for your account type.

Frequently Asked Questions

Will closing my Chase account hurt my credit score?

Closing an account in good standing does not hurt your credit score. Chase will report the account as closed to the credit bureaus, and it will remain on your credit report for seven years. Closed accounts can actually help your credit profile by lowering your overall credit utilization ratio.

What if I have pending checks or transfers when I close?

Tell the Chase representative about any checks you have written that have not yet cleared. They may ask you to wait until those checks clear before closing, or they may close the account and let you know the checks will bounce. For pending transfers, cancel them before closing or wait until they complete.

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 fraud, Chase may flag your account and ask additional questions before opening a new one. There is no waiting period to reopen.

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

Most Chase accounts close within one to three business days after you request closure. You may see the account disappear from your app when ready, or it may take a few days. If the account still appears after a week, contact Chase to confirm.

What if I forgot to move my direct deposit before closing?

If a direct deposit arrives after your account is closed, Chase will reject it and send it back to the sender. Contact your employer or the organization sending the deposit right away and provide your new bank account information so they can resend it. This can take several business days.