You cannot cancel a Chase account entirely online, but you can start the process through your online banking portal
Chase requires you to call their customer service line or visit a branch in person to close a checking or savings account. You can log into your Chase online banking account and look for a "Close Account" or "Account Services" option, but this typically only lets you request closure — a representative must complete it. The actual cancellation happens over the phone at 1-800-935-9935 or in a Chase branch.
Before you call or visit, make sure your account balance is zero. If you have money in the account, you'll need to transfer it out or request a check. If you have a negative balance (you owe Chase money), you must pay it first. Chase will not close an account with an outstanding balance.
Key Takeaways
- Chase account closure must be completed by phone at 1-800-935-9935 or in person at a branch; the online portal cannot finish the process.
- Your account balance must be zero before closure — transfer or withdraw all funds and pay any negative balance first.
- You should cancel any automatic payments, direct deposits, and linked services (like bill pay or transfers to other banks) before calling to close the account.
- Chase will send you written confirmation of the closure, and you should keep this for your records in case of future disputes.
- If you have a Chase credit card, closing your checking or savings account does not close the credit card — you must cancel it separately.
Steps to prepare your account before calling Chase
Start by reviewing what is attached to your account. Log into your Chase online banking portal and check for automatic bill payments, recurring transfers, and direct deposits. You need to cancel or redirect all of these before closing the account, or they will fail and create problems with your other accounts or creditors.
If you receive a paycheck via direct deposit, contact your employer's payroll department and provide them with your new bank account number (if you're switching banks) or let them know you're closing the account. If you have automatic payments set up — utilities, insurance, loan payments, subscriptions — log into each biller's website and update your payment method or cancel the service.
Transfer any remaining balance to another account you own at a different bank, or withdraw it as cash. If the balance is small, you can also ask Chase to mail you a check, but this takes longer. Once the balance is zero, you're ready to call.
How to request closure through the Chase online portal
Log into your Chase online banking account on a computer or the Chase mobile app. Look for a menu option labeled "Account Services," "Settings," "Profile," or "Help & Support" — the exact location varies depending on whether you use Chase.com or the app. Some accounts show a "Close Account" link directly in the account details page.
If you find a closure request form, fill it out with your reason for closing (Chase asks this but does not require a specific answer). Submit the form. Chase will send you a confirmation email saying your request has been received and that a representative will contact you or that you need to call to complete the closure.
Do not assume the account is closed after submitting an online request. You must follow up with a phone call or branch visit to finalize it. The online request is just the first step.
Calling Chase customer service to complete the closure
Call Chase at 1-800-935-9935. Have your account number ready. When you reach a representative, tell them you want to close your account. They will ask you to verify your identity by providing your Social Security number, date of birth, or other personal information.
The representative will confirm that your balance is zero and that you have no pending transactions. They will ask if you want to close just the savings account, just the checking account, or both. If you have multiple accounts, be clear about which ones you're closing. They will also ask why you're closing the account — this is optional to answer.
Once the representative processes the closure, they will give you a confirmation number. Write this down. Ask them to send written confirmation to your mailing address on file. This confirmation is important if there are ever questions about whether the account was properly closed.
Closing your account at a Chase branch in person
If you prefer to close your account face-to-face, visit any Chase branch during business hours. Bring a government-issued photo ID. Tell the teller or banker that you want to close your account. They will verify your identity and ask the same questions a phone representative would ask.
The branch can close the account when ready if your balance is zero and there are no pending transactions. You will receive a receipt showing the account is closed. Ask for written confirmation to be mailed to you as well, so you have a record.
Closing in person can be faster if you have questions or complications, because the banker can address them right away. It is also useful if you need to withdraw cash from your account at the same time.
What happens after your Chase account is closed
Chase will send you a final statement showing the account closure date. Any checks you wrote against the account will bounce if they are deposited after the closure date. Make sure all your checks have cleared before you close the account, or contact the people you wrote checks to and let them know the account is closed.
If you set up automatic payments or transfers that were supposed to come from this account, they will fail. You should have redirected these before closing, but if you missed any, you will see failed transaction notices. Contact those billers when ready to update your payment method.
Your credit report will not be affected by closing a checking or savings account. Chase does not report deposit account closures to credit bureaus. However, if you had a negative balance that went to collections, that will remain on your credit report.
Closing a Chase credit card is separate from closing a deposit account
If you have a Chase credit card (like the Chase Sapphire or Chase Freedom card), closing your checking or savings account does not close the credit card. You must cancel the credit card separately by calling the number on the back of the card or through your online account.
Similarly, if you only want to close a credit card and keep your checking account open, you can do that without affecting your deposit account. The two are separate products in Chase's system.
Frequently Asked Questions
What if I have pending direct deposits or automatic payments when I close my account?
They will fail and bounce back to the sender. This can result in late fees from creditors or missed paychecks if your employer tries to deposit after the account closes. Cancel or redirect all automatic transactions at least one week before you close the account.
Can I reopen a Chase account I just closed?
Yes, but Chase may require you to wait 30 days before opening a new account with the same Social Security number. If you closed the account due to a dispute or negative balance, Chase may require you to pay the balance or resolve the dispute before opening a new account. Contact Chase directly to ask about your specific situation.
Will closing my account hurt my credit score?
No. Closing a checking or savings account does not appear on your credit report and does not affect your credit score. Only credit accounts (credit cards, loans, lines of credit) are reported to credit bureaus.
Do I need to close my account in the same state where I opened it?
No. You can close your account by phone or at any Chase branch, regardless of which state the account was opened in. Chase is a national bank, so all branches and phone lines can access your account.
What if I have a negative balance on my account?
You must pay the negative balance before Chase will close the account. You can do this by transferring money from another account, depositing cash at a branch, or mailing a check. Once the balance is paid, you can proceed with closure.