Yes, you can close most Chase accounts online through your profile settings
Chase lets you close checking and savings accounts through the Chase mobile app or website without calling or visiting a branch. The process takes a few minutes: you log in, navigate to your account settings, and request closure. Chase will then walk you through what happens to any remaining balance and confirm the closure.
Not every account type can be closed online. If you have a Chase credit card, investment account, or business account, you'll need to call Chase directly. The same applies if your account is overdrawn or has pending transactions. But for personal checking and savings accounts in good standing, the online route works.
Key Takeaways
- Personal checking and savings accounts can be closed online through the Chase app or website, but credit cards and business accounts require a phone call.
- You must have a zero or positive balance before closing; Chase will not close an overdrawn account online.
- Any remaining balance will be sent to you by check or transferred to another account you specify.
- After you request closure, the account typically closes within 5 to 10 business days.
- Once closed, you cannot reopen the same account number, though you can open a new Chase account later.
Steps to close your account through the Chase app
Open the Chase mobile app and sign in with your username and password. Tap the account you want to close, then look for the menu icon (three horizontal lines) in the top right corner. Select "Account Services" or "Settings," depending on your app version, then scroll down to find "Close Account" or "Account Closure."
Chase will ask you to confirm the account number and show you the current balance. If the balance is zero, you can proceed. If there is money in the account, Chase will ask how you want to receive it—by check mailed to your address on file, or transferred to another bank account. Enter your choice and review the closure request one more time before submitting.
You'll receive a confirmation message on screen and an email to the address associated with your account. The closure is not when ready; Chase processes it over the next 5 to 10 business days. During that time, do not attempt to use the account.
Closing your account through Chase.com
Log into Chase.com on a computer or mobile browser. Click on the account you want to close, then select "Account Services" or "Settings" from the menu. Look for an option labeled "Close This Account" or similar language depending on your account type.
The online form will show your account number and current balance. If you have a positive balance, you'll choose whether to receive a check or request a transfer to another account. Fill in any required information, review the details, and submit the request.
Chase sends a confirmation email within a few minutes. Keep this email for your records. The account will be marked for closure and removed from your active accounts list within one to two business days, though the full closure process takes up to 10 business days.
What happens to your remaining balance
If your account has money in it when you close, Chase will not let the funds disappear. You choose the method: a paper check mailed to your address on file, or a transfer to another bank account. If you choose the check option, it typically arrives within 7 to 10 business days. If you choose a transfer, provide the routing number and account number of the receiving bank, and the transfer usually completes within 3 to 5 business days.
If your account is overdrawn—meaning you owe Chase money—you cannot close it online. You must call Chase at the number on the back of your debit card or visit a branch to settle the negative balance first. Once the account is brought to zero or positive, you can then close it online.
When you cannot close your account online
Chase requires a phone call or branch visit for credit cards, even if you have a zero balance. Call the number on the back of your card to request closure. For business accounts, investment accounts, or accounts with pending disputes or fraud investigations, you also need to speak with a representative directly.
If your account has a negative balance (overdraft), Chase will not process an online closure request. You must first deposit money to bring the account to zero, or call Chase to arrange payment of the overdraft. Once the account is settled, you can close it online or by phone.
Accounts with recent chargebacks, holds placed by the bank, or active pending transactions may also require a phone call. If you attempt to close your account online and receive an error message, the issue is usually one of these situations. Call Chase at 1-800-935-9935 to speak with someone who can help.
What happens after your account closes
Once Chase confirms the closure, the account number is deactivated and cannot be used for deposits or withdrawals. Any automatic payments or direct deposits linked to that account will fail. Before you close, contact your employer, benefits provider, or any other organization sending money to that account and give them your new account information.
Similarly, if you have automatic bill payments set up from that account, log into each biller's website and update your payment method. Chase will not automatically redirect these payments to another account.
You can open a new Chase account at any time after closure, but you cannot reopen the same account number. If you think you might need the account again soon, consider leaving it open but unused instead of closing it.
Frequently Asked Questions
How long does it take for Chase to fully close my account?
The online closure request is processed within 5 to 10 business days. You'll see the account removed from your active list within 1 to 2 business days, but the full closure in Chase's system takes longer. If you requested a check for your remaining balance, allow an additional 7 to 10 business days for it to arrive by mail.
Can I close my Chase account if I have a negative balance?
No. You must bring the account to zero or positive before closing it online. If you owe money, call Chase at 1-800-935-9935 to arrange payment of the overdraft. Once settled, you can close the account through the app or website.
What if I close my account and then need to reopen it?
You cannot reopen the same account number once it is closed. However, you can open a new Chase checking or savings account at any time. The new account will have a different account number. There is no waiting period or penalty for opening a new account after closing one.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts do not appear on your credit report. Credit cards and loans do appear on your report, so closing a credit card may have a small impact, but closing a bank account will not.
Do I need to visit a branch to close my account?
No, not for personal checking and savings accounts. You can close them entirely online through the app or website. If you have a credit card, business account, or an account with a negative balance, you will need to call or visit a branch.