How to Close a Chase Account

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.

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.

Wait. Do This Before You Close Your Chase Account

Before closing your account with Chase, make sure you have a new banking home ready. That way, there's no hiccups with paychecks or bill payments.

But more importantly - make your switch count. Look for banks offering attractive bonuses and kickstart your new banking journey with extra cash in your account.

Checking Account Bonuses You May Like

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

• The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 05/31/2026.
• To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.

  Cash Bonus	Total Qualifying Direct Deposits
  $100	$2,000
  $300	$5,000
  $500	$10,000+

• If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
• Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
• Additional terms and conditions apply. See offer page for more details.
• *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
• Bank of America, N.A. Member FDIC.

Find Out More

Expires 5/31/2026

Member FDIC

HSBC Premier - Earn Up to $7,000

It's easy. The more you fund, the more you earn. Discover all that Premier can do for you

• Send and receive money with Zelle® right from our mobile app
• Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
• Enjoy peace of mind with unique travel benefits available through our credit cards

Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.

• Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
• Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
• Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
• Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+

If all offer requirements are met, the bonus will be paid by August 31, 2026.

Find Out More

Expires 3/31/2026

Wells Fargo Everyday Checking Account - $325 Bonus

• Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
• Wells Fargo Bank, N.A. Member FDIC

Find Out More

Expires 4/14/2026

Member FDIC

Chase Total Checking® - $400 Bonus

• New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
• Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
• Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
• Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
• Chase Mobile^® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
• Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
• Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
• Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Find Out More

Expires 4/15/2026

Member FDIC

Key Select Checking® - $500 Bonus

Earn $500 after qualified activities until 5.22.26 with interest-bearing Key Select Checking®.

• Open a Key Select Checking® account online by May 22, 2026.
• Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
• Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.

Find Out More

Expires 5/22/2026

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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