How to Close a Chase Account (2025)

If you're ready to say goodbye to your Chase monthly service fees, follow the steps outlined in this guide to close it online, via phone, and more.

Need to close your Chase bank account?

Luckily, the process is simple and takes only a couple business days. But there are a few things you'll need to take care of first.

In this guide, learn the best ways to close your Chase account online, by phone, in person and by mail.

Can I close a Chase savings or checking account?

Yes, it is possible to close your Chase savings accounts and checking accounts. There are four ways you can close your account:

• Send a message online
  
• Call by phone
  
• Visit a branch
  
• Mail a letter

Read on to learn the details of each method.

1. Send a message online

Unfortunately, you can't just click a button to close your account online yourself. But you can send Chase a message.

Log into your Chase online account and go to the Secure Message Center. From there, choose "new message" and say that you want to close your Chase account.

Chase typically replies within 2 business days. They'll send you instructions on how to close your account.

Or you can log in and schedule a phone call with Chase if you prefer that.

Can you close your Chase account on the app? Unfortunately, you cannot close it on the app, but you can send a request to Chase online services.

2. Over the Phone

Call the phone number on the back of your Chase debit card. A service representative will ask for personal information to prove your identity, such as:

• Full Name
  
• ZIP Code
  
• Mailing Address
  
• Account Number
  
• Current Balance
  
• Debit Card Number

Chase Personal Banking Customer Service: 1 (800) 935-9935^[1]

The agent will assist you with closing your account.

3. Visit a Chase branch

If you live near a branch, you may prefer just popping in to get it done in person. You can use this tool to find the nearest Chase bank. You'll need to show proof of identification, such as:

• ID
  
• Social Security Number
  
• PIN
  
• Address Information

The bank representative will then provide the forms and guide you through the process of closing your account.

4. Send them a letter

Would rather avoid talking to a customer service rep? You can always close your Chase bank via written letter.

Send your request to:

National Bank By Mail
P.O. Box 6185
Westerville, OH 43086.

Don't forget to include:

• Name / Address
  
• Chase Online Banking Account Number
  
• Message to close your Chase account
  
• Where to send your remaining balance (if any left)
  
• Signature of all owners

As mail delivery cannot be guaranteed, this will take longer to close your account.

5 Things to do Before You Close Your Chase Account

Before you close the account, there are some things you'll want to take care of first. This will ensure a smoother process with transferring banking accounts.

Here are 5 things to do first before closing your account.

1. Make sure your account is in good standing

You cannot close your account if it's overdrawn or have penalties. You'll need to resolve any late fees, overdraft fees, negative balances, or anything similar.

If you have any of those, you must deposit funds to bring the balance to zero. Only then can you close your account.

2. Open a New Bank Account

Before closing your Chase account, make sure you have a new bank account ready with a different bank.

You will need a new account to receive paychecks, pay bills, and do your general daily banking.

If you don't already have a new account in mind, check out some of our favorite free checking accounts.

3. Update Direct Deposits

You will want to switch your direct deposits over to your new account.

Get in touch with your work's HR or payroll department. You'll most likely need to fill out a new direct deposit form with your new account information.

4. Cancel Automatic Payments

Check for any bill payments and subscriptions that automatically draw money from your Chase account. These can be monthly or even annual payments.

These may include:

• Mortgage or rent
  
• Utilities
  
• Credit cards
  
• Insurance payments
  
• Car loans or student loans
  
• Recurring subscription services

Look through your statements and identify all automatic charges. Then, switch those over to your new account. You don't want a failed payment later, which can incur late fees and even damage your credit.

5. Transfer Remaining Funds

Lastly, after everything is switched to the new account, you can transfer the remaining balance in your Chase account. Simply link your old Chase account to the new account and initiate a money transfer.

But only do so after all your pending payments have already been processed. If your bills post throughout the month, this could take up to a month. Make sure the recurring payments have started to post to your new account.

Otherwise, you could overdraw your Chase account if you transfer out the funds too early.

Keep in mind, it typically takes a few days to complete electronic money transfers. After it settles, you can close your Chase account.

How to close a Chase account from overseas

If you're located outside of the U.S., you'll need to contact Chase customer service to close your account. You can reach them by phone at 1 (713) 262-3300.^[1]

Be sure to have your personal and account information ready, so the process goes smoothly.

Remember to do the 5 steps above and withdraw any remaining funds from your account before it's officially closed.

If you're transferring funds to a foreign bank account, you probably need to do so via wire transfer or certified check. There may be a service fee associated with this. So be sure to check with the Chase customer service first.

Alternatives to closing your Chase credit card

If you're thinking about closing your Chase credit card account, consider if one of these options are better instead:

• Request to waive the annual fee.
  Call Chase and explain that you want to keep the account open but can't justify the annual fee. Sometimes, they may waive the fee for a certain period.
• Make a product change instead.
  Another option is to downgrade your Chase card to a card that doesn't have an annual fee.
• Stash it safely instead of closing it.
  Sometimes, it can even be beneficial to keep your credit card account open. This lets you build up your average credit history, which can improve your credit. Just keep the card somewhere safe and don't use it.

FAQs

How long does it take to close a Chase bank account?
If your account is in good standing, it can take just up to 2 business days to close your Chase bank account, once it's been initiated.

However, before that, it could take you some time to cancel subscriptions, complete all pending payments, and transfer funds. It's extremely important that these are taken care of because closing the actual account is quick.

Can you reopen a closed Chase bank account?
You cannot reopen a bank account that you have already closed. However, you can apply and open another Chase bank account.

Can I close the Chase account with a negative balance?
Chase will not let you close your account if you have a negative balance. If you have a negative balance, Chase may close your account if they assess that you're unable to repay the late or overdraft fees.

Does Chase charge to close an account?
It is free to close a Chase bank account. However, you'll need to make sure there isn't a negative balance on your account. If there is one, you need to deposit funds to bring it to zero.

Can I close my Chase account without notice?
Yes, you can close a Chase account without notice or reason.

Does closing my Chase account affect my credit score?
If your account is in good standing, closing a bank account will not impact your credit score.

However, if you have a negative balance or outstanding fees, the bank can send that debt to collections. That will go on your credit report and hurt your credit.

How to find my Chase account number?
To find your Chase account number, you can either contact customer service or check your account statement. You can also usually find it on your Chase checks.

What do I need to close a Chase bank account?
Gather all the information you'll need in order to close your account, including:

• Mailing Address
  
• Account Number
  
• Current Balance
  
• Debit Card Number

Bottom Line

Chase doesn't charge for closing an account. But your account needs to be in good standing with no negative balance or unpaid fees.

It's important to have a new account ready and move your money from your old account to the new one. Make sure your direct deposits and payments are transferred over.

Take your time and make sure all your affairs are settled first. That will make for the most seamless transition to a new bank account.

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