How to Cancel Your Account with Chase

If you are cancelling Chase because of an unresolved complaint, let us help you file a claim.

Chase Bank offers a variety of services. But sometimes they don’t meet your expectations… and other times you have found someone better. 

Whatever your reason for canceling your account with Chase, we walk you through the steps you need to take.

Chase Cancellation Policy

 Chase Bank lets you easily close your account at any time. You can have a checking account, savings account, business account, credit card, or any combination of these and close them whenever you want, with no extra fees. 

Steps to Cancel Your Account with Chase

When you decide to cancel your account with Chase, it is referred to as closing your account and you have many ways you can do it.


The simplest way you can close is to do it online. Login to your Chase account. Visit your secure message center. In the secure message center there was an option to send an email that requests your account be canceled. Within 2 business days you will receive a follow-up email with questions and instructions for facilitating disclosure.

In Person

The fastest way to do this is to cancel in person by going to a local Chase Bank branch. You can speak with any employee there who can help you close your account. You will need to verify your identity so bring something like your driver’s license or your ID card.

On the Phone

You can call Chase customer service at 1-800-935-9935  and follow the instructions you received to verify not only your account information but to confirm that your account has been closed.

In Writing

If you prefer you can submit a request in writing and send it through the mail. Include your account number and your name with the request. Send it to National Bank By Mail, P.O. Box 36520, Louisville, KY 40233-6520.

How long until my Chase account is closed?

As long as your account is in good standing and you don’t owe any extra money, it will take between one and two business days to officially close your account.

You have to make sure that all of your accounts are in good standing before you close your Chase account. If, for example, you have a negative balance in your checking account because of an overdraft, you will still have to transfer money or deposit money to reconcile this amount owed before they will let you close your account.

Fees Associated with Canceling Your Account with Chase

Generally speaking there is no direct fee associated with closing a Chase bank account as long as your account is overdrawn. Your account has to be at zero when you close it.

Chase offers a variety of services and this can include checking accounts, savings accounts, and even credit cards. For that reason, when you cancel your account with Chase, the fees you face are going to be heavily contingent upon the type of financial service you have with them. 

If, for example, you have a credit card with them, you might not be charged a fee for canceling but you will still have to pay whatever amount is remaining.

If you have a checking account which has a monthly service fee associated with it, you will have to pay that fee for the final month of your service even if you cancel in the middle of the billing cycle. 

Complaints and Disputes when Canceling

Chase has been on the receiving end of many customer complaints particularly about the services they offer an account or billing issues. There are situations where customers have complaints about Chase Bank charging them unnecessarily, levying multiple charges against their account when they close it, or not closing the account at all. 

What to do If You Are Unable to Cancel or Get Hit With Unnecessary Fees

If Chase charges you unnecessarily when you cancel, or they simply don’t let you close out your account, there are still options. At FairShake we can help you file a claim, and reach out to Chase customer service the right way to resolve your account issues.

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