How to Close Your Chase Bank Account

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 mobile app, website, or by calling customer service. The fastest way is usually a phone call to the number on the back of your debit card — you'll reach a representative who can walk you through it in a few minutes. If you prefer to do it in person, you can visit any Chase branch with a photo ID. Online closure is available for some accounts through the Chase app or website, though not all account types support it.

Before you close, make sure your account balance is zero or positive (no overdraft), all pending transactions have cleared, and you've set up direct deposit elsewhere if paychecks go to this account. If you have an outstanding balance or owe fees, Chase will deduct those before closing. Any remaining balance will be mailed to you as a check, usually within 7 to 10 business days.

Key Takeaways

• Call the number on your debit card, visit a branch in person, or use the Chase app to close your account — phone is usually fastest.
• Your account must have a zero or positive balance; Chase will deduct any fees or overdrafts before closing.
• Remaining funds are mailed as a check within 7 to 10 business days after closure.
• Cancel automatic payments and update direct deposit before closing so you don't miss bills or paychecks.
• If you have a credit card with Chase, closing a bank account does not affect your credit card account.

Closing your account by phone

Call the customer service number on the back of your debit card or on your Chase bank statement. Have your account number and a photo ID ready. Tell the representative you want to close the account and confirm the account type (checking, savings, or money market). They will ask whether you want any remaining balance mailed to you or transferred to another account.

The representative will also ask whether you have any outstanding checks, pending transfers, or automatic payments tied to the account. If you do, they may ask you to cancel those first or may close the account with a note that those transactions will be rejected. Once you confirm, the account closes when ready, though it may take a few business days for the closure to show in your online banking.

Closing your account in person at a Chase branch

Bring your photo ID and debit card to any Chase branch. Tell a teller you want to close your account and provide your account number. They will print a summary of your account balance and any pending transactions. If there are no issues, they will process the closure on the spot.

If you have a positive balance, ask whether you want it mailed to you or transferred to another account. The teller can transfer it to another Chase account when ready, or you can request a check. If you choose a check, it will be mailed within 7 to 10 business days. Bring the debit card with you so the teller can cut it or note it as closed in the system.

Closing your account through the Chase app or website

Not all Chase accounts can be closed online. Checking and savings accounts sometimes offer this option, but it depends on your account type and whether there are any holds or pending transactions. Log into the Chase app or website, go to your account settings, and look for a "Close Account" or "Account Services" option. If you see it, follow the prompts to confirm closure.

If the online option is not available, you will see a message directing you to call or visit a branch. This usually happens if your account has a negative balance, pending transactions, or if the account type does not support online closure. In those cases, phone or in-person closure is your only route.

What to do before you close

Review your account for any automatic payments or recurring charges. If you have bills set to pay from this account, update them to pull from a different account or change the payment method. Chase will reject any automatic payments after the account closes, which could result in late fees from the company you owe.

If your paycheck or government benefits deposit into this account, update your employer or the benefits office with your new account information. Deposits to a closed account will be returned to the sender, and you may miss a payment. Check your recent transactions to see which companies or employers have this account on file.

If you have a Chase debit card linked to this account, it will stop working once the account closes. If you are keeping another Chase account open, you can request a new debit card for that account before you close this one. If you are leaving Chase entirely, destroy the old card or call to report it as closed.

What happens to your remaining balance

If your account has a positive balance when it closes, Chase will mail you a check within 7 to 10 business days. The check will be sent to the address on file for your account. If you have moved, update your address in the Chase app or website before closing, or call to provide a new mailing address to the representative.

If you prefer not to wait for a check, ask the representative whether you can transfer the balance to another account — either another Chase account or an account at a different bank. Some representatives can do this when ready over the phone or in person. If the balance is very small (under $25), Chase may keep it in a suspense account for a set period before sending it to the state unclaimed property program, though this is rare.

Closing a joint account

If the account is held jointly with another person, both account holders usually need to consent to closure. Call Chase or visit a branch with the other account holder present, or have them call separately to confirm they agree. Some branches will close a joint account if only one owner requests it, but the other owner may be able to reopen it or dispute the closure, so it is better to have both parties agree beforehand.

If you and the other account holder disagree about closing, you may be able to remove yourself from the account instead. Ask the representative whether you can be removed as a signer while the other person keeps the account open. This is not the same as closing the account, but it stops your liability for overdrafts or fees on that account going forward.

Frequently Asked Questions

Will closing my Chase bank account hurt my credit score?

Closing a bank account does not directly affect your credit score because bank accounts do not appear on your credit report. However, if the account has an overdraft or unpaid fees that Chase reports to a collection agency, that could hurt your credit. Pay any outstanding balance before closing to avoid this.

What if I have a Chase credit card — will it be affected?

No. Closing a Chase bank account does not close your credit card account. Your credit card will remain open and active. If you want to close the credit card too, you will need to do that separately.

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

The account usually stops showing in your active accounts list within a few business days. You may still see it in your transaction history for several months for record-keeping purposes, but you will not be able to log into it or make transactions.

Can I reopen a Chase account I just closed?

Yes, but it depends on how recently you closed it and why. If you closed it by mistake, call Chase right away — they may be able to reopen it within a few days. If it has been longer than a few weeks, you will likely need to open a new account instead. Chase may also decline to reopen if the account was closed due to fraud or repeated overdrafts.

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

Tell the representative about the pending check before closing. They may ask you to wait until it clears, or they may close the account and note that the check will be rejected when it arrives. If the check is rejected, the person who wrote it will be notified and can reissue it. It is safer to wait for pending checks to clear before closing.