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 multiple channels. The fastest route is usually a phone call to the number on the back of your debit card or on your Chase statement. You can also walk into a branch with your ID, or use the Chase mobile app or website if your account type supports it. Before you close, make sure your account balance is zero — Chase will not close an account with money in it — and confirm whether you have any pending transactions or automatic payments linked to the account.

The process itself takes minutes, but the account may take 5 to 10 business days to fully close after you initiate it. During that window, the account still exists and can receive deposits or process outstanding checks. If you have a linked savings account or credit card, closing one does not affect the others.

Key Takeaways

• You must have a zero balance before Chase will close your account, so withdraw or transfer all remaining funds first.
• Phone, in-person, and online methods are all available, but phone is fastest for most account types.
• Stop or redirect any automatic payments, direct deposits, or recurring transfers before you close to avoid failed transactions.
• The account remains open for 5 to 10 business days after you request closure, so outstanding checks can still clear.
• Closing one account does not close linked accounts like a paired savings account or credit card.

Closing by phone

Call the customer service number on the back of your debit card or on your most recent Chase statement. Have your account number and ID ready. Tell the representative you want to close the account, and they will confirm your balance is zero and ask why you are closing. This question is optional to answer.

The representative will process the closure when ready and give you a confirmation number. Write it down. They may also ask whether you want to close other linked accounts or whether you have any outstanding checks or pending transactions. If you do, tell them so they can note it in the system.

Closing in person at a Chase branch

Bring a government-issued ID and your debit card or account number to any Chase branch. Tell a teller you want to close your account. They will verify your balance is zero and process the closure on the spot. You will receive a written confirmation.

In-person closure can be useful if you have questions about pending transactions or if you want to withdraw cash from your account when ready before closing. Some branches are busier than others, so you may wait, but the actual closure takes only a few minutes once you reach the teller.

Closing through the Chase app or website

Not all account types can be closed online. Checking and savings accounts opened through Chase's standard process usually can be. Log into the Chase mobile app or website, go to your account settings, and look for a "Close Account" or "Account Services" option. The exact location varies by app version and account type.

If you do not see a close option, your account type does not support online closure. This is common for business accounts, accounts with pending disputes, or accounts with certain restrictions. In that case, call or visit a branch instead.

What to do before you close

Withdraw or transfer your entire balance to another account. Chase will not close an account with any money in it, even $0.01. If you have a check that has not cleared yet, wait until it does or contact the person or business you wrote it to and ask them to cash it before you close.

Stop any automatic bill payments, recurring transfers, or direct deposits that go to this account. Log into each service (your utility company, employer, subscription services, etc.) and change the payment method or deposit destination. If you miss one, the transaction will fail, and you may face late fees or service interruptions.

If you have a linked savings account or credit card, decide whether you want to keep those open. Closing your checking account does not close them automatically, but you may want to close them at the same time if you are leaving Chase entirely.

What happens after you request closure

The account stays open for 5 to 10 business days. During this time, outstanding checks can still clear, and any pending transactions can still post. You will not be able to use your debit card or make new transactions, but the account technically still exists in Chase's system.

After the grace period ends, the account closes completely. Chase will send you a final statement showing all activity through the closure date. Keep this statement for your records, especially if you had automatic payments or recurring charges that you need to confirm stopped.

If you want to reopen a closed account

You can reopen a Chase account within 30 days of closure without a new process. After 30 days, you will need to open a new account as if you were a new customer. If your account was closed due to inactivity or a policy violation, Chase may not let you reopen it at all, depending on the reason.

If you closed your account and now want to bank with Chase again, contact a branch or call customer service to ask whether your specific account can be reopened. They will tell you whether it is possible and what steps to take.

Frequently Asked Questions

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

You can request closure, but Chase will not process it until your balance is zero and all pending transactions have cleared or been cancelled. If you have a check that has not cleared, wait for it to post or contact the recipient and ask them to cash it. Once everything is settled, you can close.

What if I have a negative balance or overdraft fee?

You must pay the negative balance and any overdraft fees before closing. You cannot close an account that owes Chase money. Pay the amount due through a transfer from another account or by depositing cash at a branch, then request closure.

Do I lose my transaction history after I close?

No. Chase keeps your transaction history on file even after closure. You can request statements or transaction records from Chase for up to seven years after closure. Log into your account online or call customer service to retrieve old statements.

Will closing my 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 you close an account and miss a payment on a linked credit card or loan, that missed payment will hurt your score. Make sure to redirect any automatic payments before you close.

Can I close my account if I have a Chase credit card?

Yes. Your checking or savings account and your credit card are separate products. Closing one does not close the other. If you want to close both, you will need to request closure for each one separately.