Ready to part ways with your Chase bank account? While Chase doesn't offer a single "close account" button directly in their mobile app, you can absolutely initiate the process and complete it remotely using the app's secure messaging feature. It requires a few preparatory steps and a bit of communication, but it's entirely doable without setting foot in a branch or making a phone call. Let's get you started!
How to Close a Chase Bank Account on the App: Your Comprehensive Guide
Closing a bank account might seem daunting, but with a clear plan, it's a straightforward process. This guide will walk you through everything you need to do to successfully close your Chase bank account using their mobile app.
Step 1: Prepare for Departure – The Essential Pre-Closure Checklist
Before you even think about hitting "send" on that closure request, there are crucial steps to take to ensure a smooth transition and avoid any unexpected fees or financial hiccups. Think of this as decluttering your financial life before moving on!
Sub-heading: Empty Your Account (or Nearly So!)
Transfer Funds Out: This is paramount. You need to move all the funds from your Chase account to another bank account. You can do this through:
External transfers: Link your new bank account to your Chase account within the app (if you haven't already) and initiate a transfer. This might take a few business days to clear.
Wire transfer: For larger sums or urgent transfers, a wire transfer can be an option, though it often comes with a fee. You might need to call Chase or visit a branch for this.
Cash withdrawal: If it's a small amount, you could withdraw the remaining balance at an ATM. Be mindful of daily withdrawal limits.
Leave a Small Buffer (Optional but Recommended): While you want to empty the account, it's sometimes advisable to leave a very small balance (e.g., a few dollars) to cover any lingering, unforeseen charges that might post after you initiate closure. Once you receive confirmation the account is truly closed, you can inquire about the remaining cents.
Sub-heading: Update All Recurring Transactions
Identify Automatic Payments: Go through your past statements (accessible in the app) and identify all automatic bill payments, subscriptions (Netflix, Spotify, etc.), loan payments, and credit card payments linked to your Chase account.
Change Direct Deposits: If your salary, government benefits, or any other regular income is directly deposited into your Chase account, make sure to update this information with your employer or the relevant institution. Do this well in advance to ensure your income goes to your new account without interruption.
Switch Recurring Transfers: If you have automated transfers set up to other accounts (e.g., savings at another bank, investment accounts), ensure these are updated to draw from your new primary account.
Sub-heading: Resolve Any Pending Issues
Clear Outstanding Balances/Fees: Make sure there are no negative balances, overdrafts, or pending fees on your account. A negative balance can prevent closure and potentially impact your credit score.
Cancel Unused Services: If you have any optional services linked to your account, like overdraft protection that you no longer need, consider canceling them.
Step 2: Accessing the Chase Mobile App and Secure Message Center
Now that you've prepared your account, it's time to use the app to communicate your intention to Chase.
Sub-heading: Logging In
Open the Chase Mobile App: Ensure you have the latest version of the Chase Mobile app installed on your smartphone or tablet.
Log In Securely: Enter your User ID and Password. If you have biometric login enabled (fingerprint or face ID), use that for quick access.
Sub-heading: Navigating to the Secure Message Center
Find the Message Icon or Menu: The location might vary slightly depending on your app version, but generally, you'll find a message icon (often resembling an envelope or speech bubble) or a "Messages" option within the main menu (often represented by three horizontal lines, a "hamburger" icon, or a "person" icon).
Select "Secure Message Center": Tap on the message icon or menu option, and then look for "Secure Message Center" or "Send a New Message." This is the official and secure way to communicate with Chase customer service within the app.
Step 3: Composing Your Account Closure Request
This is where you formally tell Chase you want to close your account. Be clear and concise.
Sub-heading: Starting a New Message
Choose the Correct Topic: When prompted to select a topic for your message, look for options like "Account Inquiry," "Account Maintenance," or "Close Account." If a direct "Close Account" option isn't available, select "Account Inquiry" and specify your request in the message body.
Select Your Account: You will likely be asked to select the specific account you wish to close from your list of Chase accounts. Double-check that you're selecting the correct account number to avoid any mix-ups.
Sub-heading: Drafting Your Message
Be Explicit: Clearly state your intention to close the account. For example:
"I would like to formally request the closure of my Chase [Checking/Savings] account."
Include Account Details: Provide your full name and the full account number you wish to close. This helps Chase quickly identify your account.
State Your Reason (Optional but Helpful): While not strictly necessary, you can briefly mention your reason for closing (e.g., "I no longer need this account," "I have moved my banking to another institution"). This can sometimes streamline the process.
Confirm Funds Transfer (if applicable): Mention that you have already transferred the funds out of the account, or if there's a small balance remaining, ask for instructions on how they will handle it.
Request Confirmation: Crucially, ask for written confirmation (either via a secure message or mailed statement) once the account is officially closed. This serves as your record.
Example Message Structure:
Subject: Request to Close My Account
Dear Chase Customer Service,
I am writing to formally request the closure of my Chase Checking account.
My account details are as follows:
Account Name: [Your Full Name]
Account Number: [Your 10-Digit Account Number]
I have already transferred the balance from this account to my other banking institution. Please confirm the closure of this account and send me a written confirmation once the process is complete.
Thank you for your assistance.
Sincerely, [Your Full Name]
Sub-heading: Sending Your Message
Review Your Message: Before hitting send, take a moment to review your message for accuracy, clarity, and any typos.
Send the Message: Tap the "Send" button.
Step 4: Follow-Up and Confirmation
Sending the message isn't the final step. You'll need to monitor your messages for Chase's response.
Sub-heading: Awaiting Chase's Response
Expect a Reply: Chase typically responds to secure messages within 1-2 business days. Keep an eye on your Secure Message Center in the app.
Be Prepared for Questions: They may ask for further verification, confirm details, or even try to offer alternatives to keep you as a customer. Politely reiterate your request to close the account.
Sub-heading: Confirming Account Closure
Receive Confirmation: Once Chase processes your request, you should receive a secure message confirming that your account has been closed. This message will often state the effective closure date and confirm a zero balance.
Request a Final Statement (Optional): You can request a final statement showing a zero balance and the account closure for your records. This can be mailed to you or provided digitally.
Monitor for a Few Weeks: Even after receiving confirmation, it's a good idea to keep a close eye on your new bank account and your credit report for a few weeks to ensure no unexpected activity from the closed Chase account. While rare, it's always better to be safe.
Congratulations! You've successfully navigated the process of closing your Chase bank account directly through the mobile app.
Frequently Asked Questions (FAQs)
Here are 10 related FAQ questions to help you further with closing your Chase bank account:
How to transfer money out of my Chase account before closing?
You can transfer money out via online bank transfers to a linked external account, Zelle (for smaller amounts), or by initiating a wire transfer through customer service or a branch.
How to find my Chase account number on the app?
Log into the Chase app, select the account you wish to view, and often your account number (or the last few digits) will be visible. If not, you may need to view a recent statement or contact Chase customer service for the full number.
How to update direct deposits for my new bank account?
Contact your employer's HR or payroll department and provide them with the routing and account numbers for your new bank account. Do this well in advance of your next payday.
How to cancel automatic payments linked to my Chase account?
Log into the Chase app or online banking, navigate to your bill pay or recurring payments section, and manually cancel or update each automatic payment to draw from your new bank account.
How to ensure all fees are paid before closing my Chase account?
Regularly check your account balance and transaction history in the Chase app. If you see any pending fees, ensure you have sufficient funds to cover them or contact Chase to resolve them before initiating closure.
How to know if my Chase account is fully closed?
Chase will send you a secure message or a mailed letter confirming the account closure and a zero balance. Always wait for this official confirmation.
How to re-open a Chase account after it's been closed?
Generally, once a Chase account is officially closed, it cannot be easily re-opened. You would typically need to apply for a new account.
How to close a joint Chase account on the app?
For joint accounts, both account holders may need to provide consent for closure. It's best to initiate the secure message and be prepared for Chase to require both individuals to confirm the request, potentially through separate messages or a phone call.
How to get a final statement after closing my Chase account?
In your secure message requesting closure, explicitly ask for a final statement confirming the zero balance and closure to be sent to you.
How to contact Chase customer service if I have issues closing my account on the app?
If you encounter difficulties, you can call Chase customer service at 1-800-935-9935, or visit your nearest Chase branch for in-person assistance.
