How to Close Your Chase Bank Account

You can close a Chase account by phone, in person, or online, but the method depends on the account type and whether you want to keep other Chase products

Chase lets you close most checking and savings accounts through their customer service line at 1-800-935-9935, at any Chase branch in person, or through the Chase mobile app or website. Before you close, you need to withdraw or transfer out any remaining balance, pay off any outstanding fees or overdrafts, and make sure no automatic payments or direct deposits are still linked to the account. The process itself takes a few minutes, but Chase may take five to ten business days to fully close the account and stop processing any remaining transactions.

The steps are straightforward, but the timing matters — if you close too quickly without checking for pending transactions, you could end up with a negative balance that Chase will try to collect. This section walks you through what to do before you call, what to expect during the call, and what happens after.

Key Takeaways

• You must have a zero or positive balance in the account before Chase will close it, and you should wait at least five business days after your last transaction to make sure nothing is still pending.
• Call Chase at 1-800-935-9935, visit a branch in person, or use the Chase app or website to request closure — all three methods work, but phone is fastest if you have questions.
• Remove any automatic payments, recurring transfers, or direct deposits from the account before closing, because Chase will not forward these to a new account.
• Chase will send you a final statement and confirmation of closure by mail, which you should keep for your records in case a charge appears later.
• If you have a Chase credit card or other Chase products, closing a checking or savings account does not affect them unless you specifically ask Chase to close those too.

What to do before you call Chase

The first step is to move any money out of the account. Log into your Chase account online or through the app, check the current balance, and transfer it to another bank account you control — either another Chase account or an account at a different bank. If the balance is small enough, you can also withdraw it in cash at a Chase ATM or branch. Do not leave money in the account; Chase will not close it if there is a balance, and you do not want to forget about the account later.

Next, look for anything still connected to the account. Check your recent transactions for any automatic bill payments, subscription charges, or recurring transfers. If you see any, log into those services (your utility company, insurance provider, streaming services, etc.) and change the payment method to a different account or card before you close the Chase account. Also check whether your paycheck or any other regular deposits go to this account — if they do, update your employer or the organization sending the deposit to use a different account instead.

Finally, wait at least five business days after your last transaction before requesting closure. This gives Chase time to process any checks you wrote, pending transfers, or delayed charges. If you close the account while something is still in the pipeline, it can bounce or fail, and you may end up owing Chase money.

How to close the account by phone

Call Chase customer service at 1-800-935-9935. You will reach an automated system first; select the option for account services or account management. When you reach a representative, tell them you want to close the account and have your account number ready. They will ask you to confirm your identity by providing your Social Security number, date of birth, or answers to security questions you set up when you opened the account.

The representative will verify that your balance is zero, confirm there are no pending transactions, and ask whether you want to close just this account or other Chase accounts as well. They will also ask whether you want to keep any Chase credit cards or other products open. Once you confirm, they will process the closure and give you a confirmation number. Write this down or take a screenshot — you will need it if you have questions later or if a charge appears after closure.

The call usually takes five to ten minutes. Chase will send you a final statement and written confirmation of closure by mail within one to two weeks.

How to close the account in person or online

If you prefer to close the account in person, visit any Chase branch with a photo ID and your account number. A banker will verify your identity, confirm your balance is zero, and process the closure on the spot. This method works well if you have questions or if you want to make sure everything is handled correctly, but it requires a trip to a branch during business hours.

You can also close some accounts through the Chase mobile app or website. Log in, go to the account settings or account details page, and look for a "Close Account" or "Manage Account" option. Not all account types can be closed online — if you do not see the option, you will need to call or visit a branch instead. Online closure is the fastest method if it is available for your account type.

What happens after you request closure

Chase will stop accepting new transactions when ready, but the account will remain open for five to ten business days while they process any remaining pending items. During this time, checks you wrote may still clear, automatic payments may still process, and transfers may still complete. This is why you need to have removed your balance and stopped automatic payments beforehand.

After the waiting period, Chase will close the account and send you a final statement showing all transactions through the closure date. Keep this statement for your records. If a charge appears on the account after closure, contact Chase when ready with your confirmation number — they can help you dispute it or recover the money.

If you had overdraft protection linked to another account, that protection will end when the account closes. If you had a Chase debit card tied to this account, it will stop working. If you have a Chase credit card, it will remain active unless you specifically asked Chase to close it as well.

What to do if you have automatic payments or direct deposits still linked

If you discover after closing that you forgot to move an automatic payment or direct deposit, contact Chase when ready. If the account is still in the grace period (within five to ten days of closure), they may be able to reopen it temporarily or redirect the transaction. If the account is already fully closed, Chase can tell you whether the payment bounced or went through, and they can help you contact the organization that sent it.

For automatic bill payments, log into the biller's website directly and update the payment method there. Do not rely on Chase to forward the payment to a new account — they will not. For direct deposits like paychecks, contact your employer's payroll or HR department and provide them with your new account number and routing number.

Closing a Chase account does not affect your credit score

Closing a checking or savings account has no direct impact on your credit report or credit score. Credit bureaus do not track deposit accounts — they only track credit products like credit cards, loans, and lines of credit. If you have a Chase credit card, closing your checking account will not affect that card or your ability to use it.

However, if you close the account while you owe Chase money (an overdraft or unpaid fee), that debt can be reported to credit bureaus and will affect your score. This is why it is important to make sure your balance is zero and all fees are paid before you request closure.

Frequently Asked Questions

Can I close my Chase account if I still have pending transactions?

Chase will not close the account until your balance is zero, but you can request closure even if transactions are pending. Wait at least five business days after your last transaction before requesting closure to make sure everything has cleared. If something is still pending when you request closure, Chase will hold the account open until it processes.

What if I close my account and then a charge appears?

Contact Chase when ready with your account number and closure confirmation number. If the charge is fraudulent or was processed after closure, Chase can dispute it and refund the money. If the charge is legitimate but you did not expect it, Chase can help you contact the merchant to dispute it.

Do I need to close my Chase credit card when I close my checking account?

No. Closing a checking or savings account does not affect your credit cards. Your Chase credit card will remain active and you can continue using it. If you want to close the credit card too, you can request that separately, but it is not required.

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

Chase will process the closure request when ready and give you a confirmation number, but the account will remain open for five to ten business days while pending transactions clear. After that, the account is fully closed and you will receive a final statement by mail.

Can I reopen a Chase account after I close it?

Yes, you can open a new Chase account at any time. However, if you closed the account due to a negative balance or unpaid fees, Chase may require you to pay that debt before opening a new account. If you closed it in good standing, you can open a new account when ready.