How To Close Chase Checking Account? My Complete Step-By-Step Guide

Today’s topic: How to close Chase checking account?

As per the Federal Reserve Board (gov), JPMorgan Chase is the largest bank in the United States, based on market capitalization and total assets, closely followed by Bank of America and Citigroup. (as of July 2025).

But just because Chase is one of the biggest banks in the USA, it does not automatically mean the bank is going to be a perfect fit for everyone. The bank’s interest rates, minimum balance requirements, or other services may fail to align with your needs.

In that case, closing an existing account is only normal – and expected. Personally, I faced some minor problems while closing my account with the bank last year. And now, if you are facing the same issues, I can actually help!

The process is simple, really – all you have to know are the key details for a better and smoother transition. And I am here to help you walk through the details so that you can close your account easily.

Stay tuned!

How To Close Chase Checking Account? (Step-By-Step Guide)

In this three-step guide, I have touched upon every step in detail – all you have to do is follow them in the order I’ve laid them down and you are all set with accout closure at Chase.

Step 1: Remove All Funds From Your Account

The whole process starts with removing all funds from your account. But before you do so, you have to open a new account at another banking institution where you can transfer all your funds.

If you already have an existing one, you can transfer the amount to that account as well. However, if you are not comfortable with such a large transfer, you can transfer a portion of the amount and withdraw the remaining balance in cash. That’d work too. 

In this context, I’ve also touched upon the different ways of transferring money from your account.

A) Online Transfers:

If you are willing to transfer your money online, you have to log in to your Chase account. You can use your mobile application and website if necessary. Best part? There is no charge for outgoing transfers.

However, when it comes to Chase International wire transfer fees, they are a little different from the regular transfers.

Also, there is one thing you have to remember: these types of transactions might take around three business days.

B) Wire Transfer:

Wire transfers are a quicker way to send large amounts of money within or outside the US. The amount that you are willing to transfer mostly depends on the funds in your account, along with the limit that has been set by your bank. 

You just have to sign up for the wire transfer. That way, you can see the daily transfer limit and further add the recipient once they request it.

C) Cash Withdrawal:

Let’s say the remaining balance in your account is low. In that case, you can always withdraw the cash by using an ATM. You can also visit a local bank branch.

Chase generally incurs a $3 fee for each withdrawal made at a non-Chase ATM in the United States, Puerto Rico, and the U.S. Virgin Islands. Regarding the other area, they may charge you $5 per withdrawal.

Step 2: Manage All Your Auto Payments

If you are planning to close your Chase account, you must not forget to update or cancel the automatic payments that are linked to your account. These include:

• Utility bills; 

• Subscriptions or recurring services; 

• Government payments and benefits; 

• Loan or mortgage payments; 

• Credit card payments; 

• Contributions to retirement or investment accounts. 

• Salary or wage deposits; 

• Investment dividends; 

• Automated transfers 

You have to log in to the Chase online support. Once you land on the page, you will need to locate the automatic payment section. 

The option allows you to cancel, edit, update, and transfer all these transactions. If any issue occurs, you can also contact the Chase customer service or let your branch representative know!’ 

Step 3: Close Your Account

So, welcome to the most important part: closing your account. You just need to be ready and ensure a smooth overall experience. The best part? There’s more than one way to do it.

You can choose the online process, by phone, or even visit the bank in person. In this context, please note that Chase doesn’t allow account closures via email anymore.

Now, let’s take a look at the different processes in detail:

A) Online:

Well, even though there is no single click option to close your checking account, you can still do it from a remote location.

Once you enter your banking profile, you can then go to “Secure Message Center”. There, you can send a message that explains why you want to close the account.

In general, Chase makes a response within two business days, along with all the details that you need.

B) By Phone:

There is another way to close your savings account or checking account at Chase. You have to make a call to the customer service at:

• 1-877-469-0110 (if you are living within the US) 

• 1-318-340-3308 (if it is an international one) 

This way, you can inform the banker about your intention of closing the Chase account. The representative will help you in this process. If required, they might also ask you to send some additional documents for the verification and security part of it.

C) In-Person Visit:

The third option that you have is to visit your nearby Chase branch and talk to a representative about the account closing process. They will provide you with all the necessary forms that you may need to close the account and further help you to complete the entire process.

Please Note: If you still face difficulties, please visit the official website of Chase to manage your account.

Frequently Asked Questions:

Check out the most frequently asked questions about closing your checking account with Chase:

1. What Is The Early Account Closing Fee For Chase?

Chase charges a fee for early account closures that can go upto $25 – this is applicable for closures involving savings or checking account usually within a certain time period after you open your account. Of course, this is not an universally applicable policy and instead varies by account types.

Also, you should check the specific terms and conditions associated with your account agrement. In addtion, you should directly get in touch with Chase for confimring the exact fee for closing your account early.

2. How To Avoid Early Account Closing Fee?

There are several top-notch financial institutions including Chase that imposes a fee on people closing their account withing 3 months or 90 days of opening the same. Of course, some banks have a relatively longer window that can go upto 180 days. In this case, the only thing that you can do is not close your account early – I know it feels like there is a solution, but its best to consult with the bank officials.

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