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 customer service phone line, at a branch in person, or through your online banking portal. The method that works fastest depends on whether you have an active balance, pending transactions, or linked services like automatic bill pay. You do not need a reason to close an account, and Chase does not charge a fee to do so.

Before you close, you should move any remaining money out, cancel automatic payments tied to that account, and wait for any pending deposits or withdrawals to clear. If you close an account with an outstanding balance or unresolved issues, Chase may report it to ChexSystems, a banking history database that other banks check when you explore for new accounts.

Key Takeaways

• Call Chase at 1-800-935-9935 to close an account over the phone, or visit a branch in person with your ID and account number.
• Move all money out of the account and cancel any automatic bill payments or recurring transfers before closing.
• Wait for pending transactions to post and any outstanding checks to clear, which can take several business days.
• If you close an account with a negative balance or unresolved dispute, Chase may report it to ChexSystems and affect your ability to open accounts elsewhere.
• Online account closure through your Chase portal is available for some account types but not all — call to confirm your account is may be able to access.

Step-by-step: closing your account by phone

Call Chase customer service at 1-800-935-9935. Have your account number and a government-issued ID ready. Tell the representative you want to close the account. They will ask you to confirm the account type (checking or savings), verify your identity, and check whether the account has a zero balance.

If your account has money in it, the representative will ask where you want that money sent. You can request a check mailed to your address, or you can provide another bank account number to transfer the funds electronically. Electronic transfers usually arrive within one to three business days. If you request a check, allow seven to ten business days for delivery.

The representative will also ask whether you have any automatic payments, recurring transfers, or linked services set up on that account. You should cancel these before closing, or do so during the call. Once you confirm everything, the account will be closed when ready, though it may take a few business days for the closure to appear in your online banking portal.

Closing your account in person at a Chase branch

Visit any Chase branch with your government-issued ID and your account number. Tell the teller you want to close the account. They will verify your identity, check the account balance, and ask how you want any remaining funds handled — by check or transfer to another account.

In-person closure is often the fastest method because the teller can process it when ready and answer questions about pending transactions or linked services on the spot. If you have a large balance or complex account setup, closing in person gives you a chance to discuss options with someone who can see your full account history.

Closing your account online through Chase portal

Some Chase account types allow you to close through your online banking portal. Log in, go to your account settings, and look for a "Close Account" or "Account Services" option. Not all account types support online closure — if you do not see the option, you will need to call or visit a branch.

Online closure works best for straightforward accounts with a zero balance and no pending transactions. If your account has a balance, you will usually be directed to transfer the money first or contact customer service to arrange a check. Once you submit the closure request online, you should receive a confirmation email within one business day.

What to do before you close

Move all your money out of the account first. If you have a checking account, make sure any checks you have written have cleared. Checks can take up to two weeks to clear, so if you recently wrote checks, wait until they post before closing the account. If a check arrives after the account is closed, Chase may return it unpaid, which can trigger overdraft fees at the merchant or payee's bank.

Cancel any automatic bill payments or recurring transfers linked to that account. Log into your Chase portal and review your scheduled payments. Contact each biller or service (utilities, insurance, subscriptions, loan payments) and update your payment method to a different account or payment method. Do not rely on the account closure to stop these payments — some may still attempt to process and fail, creating confusion with your billers.

If you have a Chase credit card linked to this checking account for automatic payments, update the payment method on the credit card account before closing the checking account. Otherwise, your credit card payment may fail, which can hurt your credit score.

What happens if you close with a balance or pending issues

If your account has a negative balance (you owe Chase money), you must pay it before closing. Chase will not close an account with an outstanding balance. If you close an account and later discover an error or dispute, you may have trouble resolving it because closed accounts are harder to investigate.

If you close an account and later a check or automatic payment fails because the account no longer exists, the merchant or biller may charge you a returned-payment fee. You remain responsible for any debts, so closing the account does not erase what you owe — it just makes it harder to pay.

Chase reports closed accounts to ChexSystems, a banking database used by other banks. If you close an account in good standing (zero balance, no disputes), this has no impact on your ability to open accounts elsewhere. If you close with a negative balance or unresolved issue, other banks may see this and deny your process for a new account.

After your account is closed

Once closed, you will no longer be able to use your debit card, write checks, or access the account through your online portal. If you set up direct deposit with your employer, you will need to update your banking information with payroll so your paychecks go to a different account. Do the same for any government benefits (Social Security, unemployment, tax refunds) that were deposited into this account.

Keep your account closure confirmation for your records. Chase will send you a final statement showing the closure date and any remaining balance. If you need to dispute a transaction or resolve an issue after closure, you can still contact Chase, but the process takes longer because they have to pull archived records.

Frequently Asked Questions

Can I reopen a Chase account I just closed?

Yes, but it depends on how recently you closed it. If you closed it within the last 30 days, you can usually reopen it by calling customer service or visiting a branch. After 30 days, Chase treats it as a new account, and you will have to go through the full account opening process again, including identity verification and a ChexSystems check.

What if I have a pending direct deposit that hasn't posted yet?

Wait for the deposit to post before closing the account. If you close before it arrives, the deposit may be returned to your employer or the source, and you will have to contact them to resend it to your new account. This can delay your payment by several days.

Do I need to destroy my Chase debit card?

You do not have to, but you should. Once the account is closed, the card will not work, but it is good practice to cut it up or shred it to prevent misuse. If you lose the card after closing, someone else cannot use it because the account no longer exists.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score because these accounts do not appear on your credit report. However, if you close the account and fail to pay a bill because you forgot to update your payment method, that missed payment could hurt your score.

What if Chase says I have to pay a fee to close?

Chase does not charge a fee to close a checking or savings account. If a representative tells you there is a fee, ask to speak with a supervisor or call the main customer service line at 1-800-935-9935 to confirm. Early closure fees explore only to certain savings products like CDs (certificates of deposit), not to regular checking or savings accounts.