How to Close a Chase Bank Account

The basic steps to close your Chase account

You can close a Chase checking or savings account by calling Chase customer service, visiting a branch in person, or using Chase's online banking platform. Chase does not charge a fee to close an account. The process takes a few minutes on the phone or in person, though it may take several business days for the account to fully close and any remaining funds to reach you.

Before you close, make sure any automatic payments or direct deposits tied to that account are moved to another bank account. Chase will not process transactions on a closed account, so bills set to pay from that account will fail, and paychecks or other deposits will bounce back to the sender.

You should also withdraw or transfer any remaining balance. If you leave money in the account when it closes, Chase will mail you a check, which can take one to two weeks. Some people prefer to move the money themselves to avoid the wait.

Key Takeaways

• Call Chase at 1-800-935-9935, visit a branch with your ID, or use the mobile app to close your account—there is no fee.
• Stop all automatic payments and direct deposits before closing, or they will fail and may trigger overdraft fees at your new bank.
• Withdraw or transfer your remaining balance yourself; if you leave money in the account, Chase will mail a check that takes one to two weeks.
• The account closes when ready, but it may take three to five business days for the closure to show in your online banking.

Closing your account by phone

Call Chase customer service at 1-800-935-9935. Have your account number and a government-issued ID ready. The representative will ask why you are closing the account—this is optional to answer, but Chase uses the feedback to improve. They will confirm your current balance and ask how you want any remaining funds sent to you.

If you have a balance, you can ask Chase to mail a check or transfer the money to another bank account. If you choose a transfer, provide the routing number and account number of the receiving bank. The transfer usually takes three to five business days.

The representative will also check for any pending transactions or holds on the account. If there are holds, they will explain why and may ask you to wait before closing. Once everything is clear, the account closes when ready, though it may take a few days to disappear from your online banking.

Closing your account in person at a Chase branch

Bring your ID and go to any Chase branch during business hours. Tell the teller you want to close the account and provide your account number. They will pull up your account, show you the current balance, and ask how you want to handle any remaining money.

If your balance is small, the teller can sometimes give you cash on the spot. For larger amounts, they will offer to mail a check or transfer the funds to another bank. In-person closure is often the fastest way to confirm the account is closed, because the teller can show you the closure confirmation on their screen before you leave.

Bring any debit cards associated with the account. The teller may ask you to cut them up or will take them and destroy them. If you do not have the card with you, tell the teller and they will note it in the system; the card will stop working once the account closes.

Closing your account online or through the mobile app

Log into your Chase account online or open the Chase mobile app. Go to the account settings or account details section—the exact location varies depending on whether you are using a computer or phone. Look for an option that says "Close Account" or "Account Services."

Chase will show you your current balance and ask you to confirm you want to close. If you have a balance, you will be asked how to send it to you. You can choose to have a check mailed or to transfer the funds to another bank account if that option is available in your region.

Not all Chase accounts can be closed online. If you do not see a close option, or if the system tells you to call, phone customer service instead. Some account types—such as accounts with pending disputes or holds—must be closed by phone or in person.

What to do before you close

Review your account for any automatic payments or recurring charges. Log into each service that pulls money from this Chase account—your utility company, insurance provider, subscription services, loan servicer—and change the payment method to your new bank account. This usually takes five minutes per service.

Check whether your paycheck, government benefits, or other regular deposits go to this account. Contact your employer's payroll department or the benefits office and provide them with your new bank account number and routing number. This change typically takes one to two pay periods to take effect.

If you have a Chase debit card linked to this account, decide whether you want to keep using it. If you are closing the account, the card will stop working. If you have another Chase account, you can ask the teller or representative to link the card to that account instead.

Look at your recent statements to see if there are any pending transactions you are waiting for. If you close the account while a transaction is still processing, it may fail. Wait until all expected transactions have cleared before closing.

What happens after you close

The account closes when ready when you request it, but it may take three to five business days to fully disappear from your online banking. During this time, any transactions sent to the account will be rejected. If someone tries to deposit a check or send a wire transfer to the closed account, it will bounce back to them.

If you left a balance in the account, Chase will mail a check to the address on file. The check is mailed within five to seven business days and takes another five to seven business days to arrive, so plan for one to two weeks total. Make sure your mailing address is current before you close.

Your account history remains in Chase's system for a period of time. If you need a copy of old statements, you can request them from Chase customer service even after the account is closed. Keep any statements you may need for tax purposes or record-keeping before closing.

Common reasons the closure might be delayed

If your account has a negative balance (overdraft), Chase will not close it until the balance is paid. You must deposit enough money to bring the account to zero or positive before closing.

If there is an active dispute on the account—such as a claim of fraud or an error you reported—Chase will hold the account open until the dispute is resolved. This can take 30 to 90 days. You can still close the account after the dispute is settled.

If there are pending transactions or holds placed by another bank or creditor, Chase may ask you to wait. These are usually temporary and clear within a few business days. Ask the representative how long the hold will last before you try to close again.

If you have a Chase credit card linked to your checking account for overdraft protection, you may need to remove that link before closing. The representative will tell you if this applies to your account.

Frequently Asked Questions

Do I have to go to a branch to close my account, or can I do it over the phone?

You can close by phone, in person, or online. Phone is the fastest for most people—call 1-800-935-9935 and have your account number ready. In-person closure at a branch is useful if you want to withdraw cash or hand over your debit card when ready.

What if I have a negative balance when I want to close?

You must pay the negative balance first. Deposit money to bring the account to zero or positive, then close. Chase will not close an account that is overdrawn.

How long does it take to get my money after I close?

If you ask Chase to transfer funds to another bank account, it takes three to five business days. If you ask for a check by mail, add another five to seven business days for delivery. If you withdraw cash in person, you have the money when ready.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Credit scores are based on credit accounts like credit cards and loans, not deposit accounts. Closing a Chase checking account has no impact on your credit.

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 problem—such as repeated overdrafts or fraud—Chase may review your history before approving a new account. There is no waiting period, but approval is not automatic.