How To Shut Down Chase Account

If you’re set to say adieu to your Hunt monthly service fees, follow the steps outlined in this guide to close information technology online, via phone, and more.

Need to close your Chase banking company account?

Luckily, the process is simple and takes only a couple business organization days. Simply there
are
a few things you lot’ll need to have care of first.

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

Can I close a Chase savings or checking business relationship?

Yep, it is possible to close your Chase savings accounts and checking accounts. There are 4 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.

Should I shut my Hunt account?

There are a few reasons why you lot may want to shut your Chase business relationship. Chase’s accounts all accept a monthly fee, and maybe you want to switch to a free checking account. Chase’south savings accounts have low rates. You may desire a savings business relationship with a higher APY.

1. Ship a message online

Unfortunately, you lot tin’t merely click a push to close your account online yourself. Simply you lot can send Chase a message.

Log into your Chase online business relationship and get to the Secure Message Center. From in that location, choose “new message” and say that you desire to shut your Chase account.

Hunt typically replies within 2 business concern days. They’ll send you instructions on how to close your account.

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

Tin can yous shut your Chase account on the app?
Unfortunately, you cannot close it on the app, merely you tin can send a request to Chase online services.

2. Over the Phone

Phone call the phone number on the back of your Chase credit menu. A service representative volition ask for personal data to testify your identity, such as:

• Full Proper name
  
• ZIP Code
• Mailing Accost
  
• Account Number
• Electric current Residual
• Debit Card Number

Chase’s customer service numbers are:

• Checking or savings business relationship: one (800) 935-9935^[ane]
  
• Personal credit carte du jour: i (800) 432-3117

The amanuensis volition assist y’all with endmost your account.

3. Visit a Chase branch

If you live near a co-operative, 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 depository financial institution representative volition so provide the forms and guide y’all through the process of endmost your business relationship.

iv. Send them a alphabetic character

Would rather avoid talking to a customer service rep? Yous can ever shut your Chase depository financial institution via written letter.

Ship your request to:

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

Don’t forget to include:

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

As mail delivery cannot exist guaranteed, this volition accept longer to close your account.

five Things to do Before Y’all Shut Your Chase Account

Before you close the account, at that place are some things yous’ll desire to take care of first. This volition ensure a smoother procedure with transferring banking accounts.

Here are 5 things to do first before closing your business relationship.

1. Brand sure your account is in good standing

Yous cannot shut your account if it’s overdrawn or have penalties. You lot’ll demand to resolve whatsoever late fees, overdraft fees, negative balances, or annihilation similar.

If you lot have any of those, you must deposit funds to bring the balance to cipher. Only then tin can yous shut your account.

2. Open a New Bank Business relationship

Before closing your Chase business relationship, make sure you have a new depository financial institution 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 lot don’t already have a new account in mind, cheque out some of our favorite costless checking accounts.

3. Update Direct Deposits

Y’all will want to switch your straight deposits over to your new account.

Get in impact with your work’southward HR or payroll department. You’ll virtually likely need to fill out a new direct deposit class with your new account information.

iv. Cancel Automatic Payments

Bank check for any bill payments and subscriptions that automatically draw coin from your Chase account. These tin can be monthly or even annual payments.

These may include:

• Mortage or hire
• Utilities
• Credit cards
• Insurance payments
• Automobile loans or student loans
• Recurring subscription services

Wait 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 tin can incur late fees and fifty-fifty harm your credit.

v. Transfer Remaining Funds

Lastly, later everything is switched to the new account, yous tin can transfer the remaining rest in your Chase business relationship. Simply link your old Chase account to the new account and initiate a coin transfer.

Just only do and then
after
all your pending payments have already processed. If your bills post throughout the month, this could take up to a month. Brand sure the recurring payments have started to post to your new account.

Otherwise, you lot could overdraw your Chase business relationship if yous transfer out the funds besides early on.

Go along in listen, it typically takes a few days to consummate electronic money transfers. Later on it settles, you can shut your Chase account.

How to close a Chase account from overseas

If you’re located outside of the U.Due south., you’ll need to contact Chase customer service to close your account. Yous can accomplish them by phone at 1 (713) 262-3300.^[1]

Exist sure to accept your personal and business relationship information ready, so the procedure goes smoothly.

Remember to practice the v steps above and withdraw any remaining funds from your account earlier it’due south officially closed.

If you’re transferring funds to a foreign bank account, you lot probably need to do and so via wire transfer or certified bank check. In that location may be a service fee associated with this. Then be sure to check with the Chase customer service first.

Alternatives to closing your Chase credit card

If yous’re thinking about closing your Hunt credit card account, consider if 1 of these options are better instead:

• Request to waive the annual fee.
  Telephone call Chase and explicate that you lot want to proceed the account open but tin’t justify the annual fee. Sometimes, they may waive the fee for a certain period.
• Make a product modify instead.
  
  Some other pick is to downgrade your Chase card to a card that doesn’t take an almanac fee.
• Stash it safely instead of closing it.
  
  Sometimes, it can even be benign to proceed your credit card account open. This lets yous build up your average credit history, which can improve your credit. Only keep the carte du jour somewhere safe and don’t use it.

FAQs

How long does it accept to close a Chase bank account?

If your business relationship is in practiced standing, it can take just up to two businesses day to closing your Chase bank account, once information technology’s been initiated.

However, before that, it could take you some time to abolish subscriptions, complete all pending payments, and transfer funds. It’southward extremely of import that these are taken care of because endmost the bodily account is quick.

Can yous reopen a closed Chase bank business relationship?

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

Can I close the Chase account with a negative balance?

Hunt will not let you close your account if y’all have a negative balance. If you lot take a negative balance, Chase may close your business relationship if they assess that yous’re unable to repay the tardily or overdraft fees.

Does Chase charge to close an account?

Information technology is free to close a Hunt banking concern business relationship. Still, you’ll need to make sure there isn’t a negative balance on your account. If there is 1, you lot need to deposit funds to bring it to zero.

Tin I close my Chase business relationship without notice?

Yes, yous can close a Hunt account without observe or reason.

Does closing my Chase account bear upon my credit score?

If your account is in expert standing, closing a banking concern business relationship will not impact your credit score.

However, if you lot accept a negative rest or outstanding fees, the bank can send that debt to collections. That will proceed your credit report and hurt your credit.

How to find my Hunt account number?

To find your Chase account number, yous can either contact client service or bank check your account statement. You tin can also normally observe it on your Chase checks.

What do I need to shut a Chase bank business relationship?

Gather all the information you lot’ll demand in order to close your account, including:

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

Bottom Line

Chase doesn’t charge for closing an account. But your business relationship needs to exist in proficient standing with no negative balance or unpaid fees.

It’due south of import to have a new account ready and move your money from your old account to the new one. Make certain your direct deposits and payments are transferred over.

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

References