You can close most Chase accounts online through your account settings, but some account types require a phone call or branch visit
Chase lets you close checking and savings accounts through its website or mobile app without calling or visiting a branch. The process takes a few minutes: you log in, navigate to account settings, and confirm the closure. However, if you have a credit card, investment account, or certain specialty accounts, you will need to contact Chase by phone or in person. Before you close anything, make sure your account balance is zero and you have received all pending deposits.
The method you use depends on your account type and whether you have an outstanding balance. Checking and savings accounts close fastest online. Credit cards, brokerage accounts, and business accounts typically require a phone call to Chase customer service. If you have multiple accounts linked together, closing one may affect the others — Chase will warn you about this before you confirm.
Key Takeaways
- Chase checking and savings accounts can be closed online through your account settings, but credit cards and investment accounts require a phone call.
- Your account balance must be zero before closure, and you should wait for all pending transactions to clear.
- If you have automatic payments or direct deposits set up, you need to redirect them to another account before closing.
- Closing an account does not remove it from your credit report when ready, and the account will still appear on your credit history for seven years.
Closing a Chase Checking or Savings Account Online
Log into your Chase account on the website or open the Chase Mobile app. Go to the account you want to close and look for the account settings or account details section — this is usually found by tapping the gear icon or "Settings" menu. Select the option to close the account. Chase will show you a summary of the account and ask you to confirm that the balance is zero and there are no pending transactions.
After you confirm, Chase will ask why you are closing the account. You do not have to give a detailed reason, but Chase uses this information for internal purposes. Once you submit the closure request, the account will close when ready or within one to two business days. You will receive a confirmation email. Keep this email for your records in case you need to reference the closure date later.
If you cannot find the close account option online, or if the button is grayed out, it usually means your account still has a balance or pending transactions. Check your account balance and wait for any deposits or payments to fully clear before trying again.
What You Need to Do Before Closing
Bring your account balance to zero. If you have money in the account, withdraw it or transfer it to another bank account before you close. Chase will not close an account with a balance remaining. If you have a negative balance — meaning you owe Chase money — you must pay that amount first.
Stop or redirect any automatic payments and direct deposits. If your paycheck goes directly into this Chase account, contact your employer or payroll department and give them your new bank account number. If you have bills set to pay automatically from this account, log into each biller's website and update the payment method. This step is critical because if a payment tries to go through after the account closes, it will be rejected and may trigger late fees or service interruptions.
Wait for all pending transactions to clear. If you have a check you wrote that has not cleared yet, or a purchase you made that is still processing, wait until it shows as complete before closing the account. Pending transactions can take three to five business days to settle. Closing an account with pending transactions can cause those transactions to fail.
Closing a Chase Credit Card or Investment Account
Chase credit cards and brokerage accounts cannot be closed online. You must call Chase customer service at the number on the back of your card or on your account statement. Have your account number and identification ready when you call. The representative will confirm your identity, review your account balance, and process the closure over the phone.
For credit cards, make sure you have paid off the entire balance before calling. If you have a remaining balance, Chase will not close the account — you will need to continue making payments. If you have rewards points or cash back pending, ask the representative when those will be paid out. Some rewards expire after the account closes, so clarify this before you hang up.
For investment or brokerage accounts, you may need to liquidate your holdings (sell your investments) before closing. Chase will explain what needs to happen during the phone call. If you have a large or complex portfolio, this process may take longer than a straightforward account closure.
What Happens After Your Account Closes
Your account will no longer be active, and you cannot make deposits or withdrawals. Any debit card linked to the account will stop working. If you have checks printed for this account, they will be rejected if someone tries to cash them after the closure date. Destroy any remaining checks to prevent fraud.
The closed account will remain on your credit report for seven years. This does not hurt your credit score in the long term, but it will show on your report as a closed account. If you closed the account in good standing — meaning you had no late payments or negative balance — it may actually help your credit score slightly by lowering your overall credit utilization ratio.
If you need to reference the account in the future for tax purposes or to dispute a transaction, you can still contact Chase and request account records. Keep your closure confirmation email and any statements you downloaded before closing.
Closing a Chase Business or Specialty Account
Business accounts, money market accounts, and other specialty products usually cannot be closed online. Call the business banking line or visit a Chase branch in person. If you have a business account, you may need to bring documentation showing you are authorized to close it, such as a business license or corporate resolution.
For money market accounts, the process is similar to closing a savings account, but some branches prefer to handle these in person because they often have higher balances or specific terms. Call the number on your statement to ask whether you can close online or if you need to visit a branch.
If You Cannot Close Your Account Online
If the close account option does not appear in your account settings, the most common reasons are: your balance is not zero, you have pending transactions, or your account type does not support online closure. Check your balance first. If it shows zero but the option is still grayed out, wait 24 hours and try again — sometimes the system needs time to process recent transactions.
If you still cannot close the account after waiting, call Chase customer service at 1-800-935-9935 (for personal accounts) or the number on your statement. A representative can tell you exactly why the account cannot be closed and what you need to do to resolve it. They can also close the account for you over the phone if online closure is not available for your specific account type.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing an account in good standing typically has little to no negative impact on your credit score. Your credit report will show the account as closed, but this does not damage your score. If you had late payments or a negative balance, those will remain on your report and may have already affected your score.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closing one. However, if you closed the account due to a negative balance or fraud, Chase may review your history before approving a new account. If you closed it in good standing, opening a new account is straightforward.
What happens to my debit card when I close my account?
Your debit card will stop working when ready or within one business day of the account closure. You do not need to do anything — Chase will deactivate it automatically. If you want to destroy the card to prevent misuse, you can cut it up or shred it.
Do I need to visit a branch to close my account?
For checking and savings accounts, no — you can close online. For credit cards, investment accounts, and business accounts, you must call or visit a branch. A phone call is usually faster than a branch visit.
How long does it take for my account to fully close?
Online closures of checking and savings accounts typically complete within one to two business days. Phone closures may take the same amount of time or slightly longer. You will receive a confirmation email once the closure is final.