If you’re wondering how to close your Chase Bank checking account, the easiest way to close your Chase checking account is online.
You could close it in person at a branch or over the phone, but then you have to deal with the hassles of their customer service trying to keep you as a customer.
Closing your Chase checking account online avoids the annoyance of having to explain why you want to close your account to a Chase customer service representative.
Plus, it saves time, as you don’t have to drive to your local Chase Bank branch or talk on the phone for 15 minutes.
How To Close Your Chase Checking Account Online
Follow these 4 steps to close your Chase checking, savings, or any other type of account with Chase Bank.
1. Cancel Any Automatic Transfers or Payments
The first step is to cancel any automatic bill payments, debit card payments, direct deposits, or other types of automatic transfers that you may have scheduled to or from your Chase Bank checking account.
You don’t want to have any late payments or other issues, so you’ll first have to transfer any automatic payments that you have to another bank account.
2. Withdraw Your Funds
The second step is to withdraw all of your funds from your Chase Bank checking account, so that it has a $ 0 balance.
You don’t necessarily have to withdraw your funds before closing the account, but if you don’t, then Chase Bank will have to issue you your funds via a check, which is just more of a hassle and ties up your funds during the interim.
So if you’ve already set up an external account for transfers to and from your Chase Bank checking account, simply withdraw all of your funds to that account and wait until the transfer is completed.
Once your final transfer is completed, you’ll then want to make sure that you immediately request that your account be closed, because you don’t want to incur any monthly maintenance fees for not meeting the minimum balance requirements.
3. Send a Secure Message to Chase
The third step is to send Chase a message through the Secure Message Center within your online account requesting that your account be closed.
Here’s the message that I sent, which you can copy and paste if you like:
“Hello, Please close my Chase Total Checking account. I have removed all funds from the account, so please close it immediately, as I want to avoid any monthly fees. I just don’t need the account anymore, so that’s why I want to close it. Thank you, Your Name Here.”
You’ll then receive a response message within 3 business days, although I received mine on the same day that I sent my request.
Here’s my response message from Chase Bank:
“Thank you for contacting Chase. I can certainly
understand how concerned you are about closing your
account in a timely manner. My name is “Customer Service”;
it is my pleasure to assist you with your banking needs
We processed your request to close your account ending in
XXXX. Please allow 24 to 72 hours for this request to be
completed. We’re sorry you’ve decided to close your
account with us and hope you consider us for any future
If any outstanding checks or authorized debit/ATM card
transactions are presented for payment, or any Direct
Deposits or other automatic/recurring debits or credits
are presented to this account, the items will either be
returned unpaid, or could possibly re-open the account.
This may prevent the account from closing properly.
Chase strives to provide excellent service to all of our
customers. We have appreciated doing business
with you and it has been our pleasure to be of service to
Please email us through the Secure Message Center while
you are logged on to chase.com, or call us at
1-800-935-9935, if you have any questions.”
4. Your Account Will Be Closed
The final step is your account being closed, which occurred for me within 3 business days.
It’s a simple process to close your Chase Bank checking account online, and it will save you some time and trouble.
Just make sure that you don’t close a Chase checking account within 6 months of opening it, if you earned a Chase Account-Opening Bonus, because Chase will then deduct the bonus amount from your account at closing, although I’m not sure how they would do so if you withdraw all of your funds to a $ 0 balance before closing it.
Of course, this same online method could be used to close your Chase savings account or any other type of account that you have with Chase Bank, so just use the Secure Message Center to request that your Chase account be closed.