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How to Close a Chase Checking Account
Closing a checking account can take several days.
Image Credit: AndreyPopov/iStock/GettyImages
Closing a Chase Bank checking account requires you to gather a bit of information to go through the procedure over the phone, in person or by mail. You can't close your account by yourself online. Following a few simple steps, you should have no problem closing your account.
Get Your Account Ready
When you are ready to close your account, you might have a balance in it. Empty your account before you close it.
You can empty your account using a debit card (if you received one with your account) to make a withdrawal at an ATM, writing a check to cash or yourself and presenting it at your bank (or other check-cashing institution) or writing a check to someone else who can cash it for you.
You can also transfer money electronically from your Chase checking account to another account you have. This could take a few days, so make sure not to wait until the last minute to do this.
Depending on the date you close your account, you might have to pay any monthly fee billed to your account each month. For this reason, it's a good idea to call Chase and talk to a customer service representative before you zero out your balance.
Review Auto Payments
In addition, make sure you don't have any recurring payments set up that draft from your checking account. This could include credit cards, utilities, auto loans, mortgages, subscriptions or other accounts you've set up to draft from your account each month. To avoid missing any annual recurring payments, review 12 months' worth of checking account statements.
Don't forget to notify anyone who has been paying (or is expecting to pay you) by making a direct deposit into your checking account. Reviewing 12 months' worth of statements might help jog your memory regarding who might try to pay you via direct deposit into this checking out in the future.
Call to Begin the Process
The quickest way to close your account might be to call Chase and have a customer service representative chase bank checking account your account. Have the following information ready for the customer service representative:
- Your full name
- Checking account
- Your mailing address
- Phone number
- Social Security number
- Current balance
- Debit card number
Call 800-242-7338. Follow the prompts, which might include entering chase bank checking account last four digits of your account and your zip code. When you get through to a customer service representative, you might need to provide more information. Ask to close your account and follow the person's directions.
Visit a Chase Bank
If you have a Chase bank branch near you, call to find out if you need an appointment to come in and close your account or if you can do it as a walk-in transaction. Find out what days and times account reps are not usually busy.
Go to the bank and bmo harris business credit card login to speak with a banking representative. Have your photo ID, checking account number, one walmart automotive near me of your checking account statement, your checkbook and debit card. You won't need all of these to close your account, but the more documents you have, the less chance there'll be that you don't have all the information the bank needs. For example, you might not need your checkbook, statement and debit card, but you will need your account information.
Once you close the account, your bank rep might offer to destroy your checks or debit card for you. Be prepared for a sales pitch before the closing process starts. The bank rep might have a script she is required to go through when customers ask to close an account. She might offer to waive your fees or offer other incentives for you to stay with Chase.
Visit the Chase Website
Go to the Chase bank website and log in to your account if you've set one up. If not, create an account. You'll need information such as your name, account number, the phone number associated with the account, Social Security number and mailing address.
Use the search tool and enter the word "cancel" or "close" or a at home nursing jobs near me like "close my account."
As of July 2021, you can't close a Chase checking account online by yourself. You will be asked to schedule a phone call from Chase, which will take approximately two days to receive. Click on the Secure Message Center link to start this process. You can navigate directly to the scheduling page using this link. You can find more contact information using this link.
Cancel By Mail
To cancel your account in writing, visit the Chase website to find their latest mailing address. As of July 2021, their customer service address was:
To send an overnight certified letter, use:
Different websites provide a variety of phone numbers and pnc bank mortgage contact number addresses to contact Chase. Your monthly account statements might even have two addresses: a return address and a payment mailing address. If you can, call Chase to verify that the above addresses are the current ones to use.
You'll need to provide information relating to your account. The more the better (e.g. name, address, account number, last transaction amount, Social Security number, phone number).
Again, it's a good idea to contact Chase by phone first to make sure you follow the correct steps to cancel your account in writing. The customer service representative might be able to send you a form to fill out or direct you to a web page where you can download the form.
Bank securely with the Chase Mobile® app. Manage your investments with J.P. Morgan and your Chase accounts: monitor your credit score, budget and track monthly spending, send and receive money with Zelle® and deposit checks.
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• Some features are available for eligible customers and accounts only. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions or checks you have written. A qualifying Chase transfer account is required to transfer funds via text.
• There is no charge from Chase, but message and data rates may apply. Such charges include those from your communications service provider. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations.
• For illustrative purposes only—not intended as an endorsement or recommendation. The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results
• Commission-free online trades apply to trading in U.S. listed stocks, Exchange-Traded Funds (ETFs), and options. Option trades are subject to a $0.65 per-contract fee. Sales are subject to a regulatory transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning certain investments, including mutual funds and ETFs. Offer terms and pricing are subject to change and/or termination. Other fees and restrictions (including account types) apply. See chase.com/online-investing-pricing for terms and chase bank checking account Options contract and other fees may apply.
• J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
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This update includes:
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Ratings and Reviews
4.8 out of 5
3.8M Chase bank checking account It's excellent, packed with technology
I have done a review of the chase app over a year ago and had a lot to gripe about. I hated the fact that you had to accept quickpays. I also hated the fact that you needed to chase bank checking account to conduct transactions after you used your finger print to get into your app. Both of these annoyances have been fixed with this update. I absolutely love the way chase deducts the money for Bill pays right on the spot. It makes your balances so much easier to manage. I love the freshness and the high-tech feel of the app. One area for improvement would be to allow a direct dialed phone call to a representative right from the app having already completed the authentication process. Also, allow the app to show images of all transactions, including deposits just like BOA does. Other than those 2, the app is perfect.
Update. I also love managing my brokerage account right through the app with the ability to move money quickly between my brokerage and checking account. This app is really the best of the best in the banking world.
Mortgage experience and mobile experience stink
I was a chase credit card customer and the app was always fine for what I needed. We’re currently will amazon have ps5 on launch day through the home loan process and your app is embarrassingly terrible. I can’t believe such a large bank has an app that can’t render on an iPhone. For two or three weeks we had someone listed in the app as part of our loan team and it wasn’t the correct rep. We kept reaching out to him with no response, come to find out that we got put with a different rep but the app doesn’t update that detail into the loan moves into a new status. What?! The screens are all tiny and you can’t zoom in!! You can’t download the documents from your phone either. You also can’t go into the mortgage portal and open a document and try to go back and do something. The app signs you out instantly. The reps even mentioned how terrible it was. Anytime I use the app to look for tasks I have to close the app and re log in multiple times. The message your team function is completely useless. Our rep told us she doesn’t get a notice when we message through that method and to email her instead. Why the heck even put it there?! We also have been asked repeatedly to upload the same information over and over. According to the rep, they have tons of issues seeing our documents and they get “lost”. How reassuring. It’s only the biggest purchase I’ve ever made and all of my personal information. Y’all need to fix these issues. This app is bad.
Terrible Customer Service and App
First of all I rarely leave negative reviews, if my experience is less than satisfactory I will simply choose to leave no review rather than a negative one. That said the Chase bank as well as their app left me little choice. Let’s chase bank checking account with the app. For weeks I could not even use it because every time I tried signing icici prudential banking and financial service fund it would crash forcing me to use a cumbersome web browser for my mobile banking. Once the app started working (about a month and several updates later) I found it to have way less features and to be much less organized than any other banking app I have used. This alone was disappointing however their customer service is even worse which I find quite disturbing for an organization that handles ones finances. They seem to know very little of what they are doing as they misplaced several important documents that I had faxed them directly from a bank branch claiming they had not received them forcing me to spend hours sending them though several chase bank checking account formats. After this I call back only talk to a different representative to find out they had received the fax a week ago when I had sent it originally. This alone was very frustrating but to make it worse customer service was very unfriendly and unhelpful which I found quite unprofessional for a banking institution. Sadly from my experience I would not recommend this app nor chase bank itself. Sorry
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How To Avoid Chase’s Monthly Service Fees
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JPMorgan Chase is one of the biggest banks in America, providing customers with a range of banking products. But a big bank still needs to pay the bills, and the banking fees associated with Chase’s checking and savings accounts help do that.
The good news is that these fees can often be waived by maintaining a qualifying account balance, setting up direct deposits or by qualifying for fee waivers in other ways. Here’s what you need to know about Chase’s fees monthly maintenance fees and how to avoid them.
Chase Checking Account Fees
Chase checking account monthly maintenance fees vary from $4.95 to $25 for the bank’s standard checking options, and from $25 to $35 for the bank’s premium checking options. Additionally, Chase offers three checking accounts designed for kids and students, which feature low service fees from $0 to $6.
Some Chase accounts also earn interest — up to 0.01% annual percentage yield. Here’s a quick look at the monthly service fees and interest potential for Chase personal checking accounts.
|Chase Personal Checking Accounts|
|Account||Monthly Service||Earns Interest|
|Chase Secure Banking||$4.95||No|
|Chase Total Checking||$12 or $0||No|
|Chase Premier Plus Checking||$25||0.01% APY|
|Chase Sapphire Checking||$25 or $0||0.01% APY|
|Chase High School Checking||$0||No|
|Chase College Checking||$6 or $0||No|
|Chase First Banking||$0||No|
Information is accurate as of Nov. 9, 2021
Chase checking accounts usually come with additional fees, such as when you use an out-of-network ATM. All Chase personal checking accounts include the following fees. Note that Chase will waive some of these fees, depending on account type.
|Chase Checking Account Fees|
|Checking Account Fee||Amount|
|ATM||$2.50 for a non-Chase ATM in the U.S., Puerto Rico and the Virgin Islands; $5 for a non-Chase ATM outside the U.S.|
|Foreign Exchange Rate Adjustment Fee||3% of transaction|
|Wire Transfers||$0 to $50, depending on where wire originated, whether it’s domestic or foreign and if it was initiated online.|
Information is accurate as of Nov. 9, 2021
Chase also offers three business checking accounts for business owners. Chase offers multiple options to waive the monthly service fee.
|Chase Business Checking Accounts|
|Account||Monthly Maintenance Fee|
|Chase Business Complete Checking||$15|
|Chase Performance Business Checking||$30|
|Chase Platinum Business Checking||$95|
Information is accurate as of Nov. 9, 2021
Chase Savings Account Fees
Even though Chase charges monthly maintenance fees on its savings accounts, it will waive the charges if you complete certain qualifying activities, such as maintaining a minimum average daily balance, making automatic transfers or linking to another Chase account. Here’s a breakdown of Chase savings account fees.
|Chase Savings Account Fees|
|Fee Type||Chase Savings||Chase Premier Savings|
|Monthly Maintenance||$5 or $0||$25 or $0|
|Savings Withdrawal Fee||$5 for withdrawals exceeding six||$5 for withdrawals exceeding six (waived with a balance of $15,000 or more)|
Information is accurate as of Nov. 9, 2021
Here are the interest rates available for each account:
- Chase Savings has 0.01% APY for all balances.
- Chase Premier Savings also only carries 0.01% APY for all balances. If you have Relationship Rates, an increase in balance results in a rate increase, equaling 0.02% to 0.05% APY.
How To Avoid Chase’s Monthly Maintenance Fees
Chase, along with most banks, will waive maintenance fees if the requirements are met. Here’s how to avoid your Chase bank fees.
1. Maintain a Minimum Balance
You can avoid paying a Chase checking account fee by maintaining a minimum required amount in your account. Here are the minimum balances you need to avoid Chase’s monthly fees:
Chase Checking Minimum Balance:
- Chase Total Checking: Maintain a $1,500 average beginning day balance or maintain a $5,000 beginning daily average balance across all accounts.
- Chase College Checking: Maintain an average beginning day balance of $5,000.
- Chase Premier Plus Checking: Maintain a $15,000 average beginning day balance across all accounts.
- Chase Sapphire Banking: Maintain a $75,000 average beginning day balance across all accounts.
- Chase Private Client Checking: Maintain a $150,000 average daily balance across all accounts.
- Chase Business Complete Checking: Maintain a minimum balance of $2,000 chase bank checking account more in the account each day of the statement period.
- Chase Performance Business Checking: $35,000 average beginning day balance across all linked business accounts.
- Chase Platinum Business Checking: Maintain an average beginning day balance of $100,000 ($50,000 when linked to Chase Private Client Checking) across all linked business accounts.
2. Sign Up for Qualifying Direct Deposits
Another way to avoid paying fees on your checking account at Chase is to meet the minimum requirement for direct deposits. The following two Chase accounts allow this exemption:
- Chase Total Checking: $500 per statement cycle
- Chase College Checking: Any direct deposit
Note that this option is not available for the other Chase checking accounts.
3. Link a Chase Account
A third way to avoid checking account fees at Chase Bank is to link your account to another Chase account. The Premier Plus, Business Complete Banking and Private Client checking accounts offer this option:
- Chase Premier Plus Checking: Link a Chase first mortgage enrolled in automatic payments.
- Chase Business Complete Banking: Link a Chase Private Client Checking account.
- Chase Private Client Checking: Link a Chase Platinum Business Checking account.
How To Avoid Chase Bank Overdraft Fees
Linked accounts have more limited use to customers when it comes to waiving chase bank checking account avoid an overdraft fee at Chase, the best thing to do is to make sure you don’t overdraw your account in the first place. If your account is overdrawn by more than $5, it’s subject to overdraft fees.
Chase charges a $34 fee per overdraft –up to a maximum of three fees per day. You can avoid the overdraft fee by signing up for overdraft protection. Then, the bank will cover your overdrawn checking account with money from your savings account without an added fee.
How To Avoid Chase ATM Fees
Chase Total Checking and Chase Secure Checking charge $2.50 if you use a non-Chase ATM in the United States. You can avoid these fees by searching Chase’s website for a Chase ATM near you.
Good To Know
Overseas, the ATM fee jumps up to $5 per withdrawal. You might also face charges imposed by the ATM operator. Whether in the U.S. or abroad, you can avoid ATM fees by using a Chase ATM.
Alternatively, you can sign up for Chase Premier Plus Checking, which offers the first four non-Chase ATM transactions for free during each statement period, or Chase Sapphire Checking, which waives all non-Chase ATM fees and even reimburses you for all third-party ATM fees.
Getting the Most out of Your Chase Banking Account
Opening both a savings and checking account with Chase will not only earn you free money, but there are plenty of other advantages too. Once you’ve opened a Chase Premier Savings Account, you can unlock Premier Relationship Rates if you link it with one of the following:
- Chase Premier Plus Checking
- Chase Sapphire Checking
From there, you’ll immediately be treated to a rate of 0.02% to 0.05% APY, which increases the higher your balance is. Otherwise, your rate is only 0.01% APY, the same as a standard savings account.
Also, if you are active-duty military, your service fee for the Chase Premier Checking account is $0, plus you’ll pay no ATM fees, wire transfers or foreign exchange rates.
Are Chase Products and Services Good for You?
Chase provides a solid selection of banking accounts that offer basic services for those seeking to build either checking or savings accounts. Its fees are evenly priced compared to other banks, and some of their checking accounts offer interest rates. For higher returns or smaller fees on a savings account, you may want to consider online banks, which do not have to factor in overhead costs and may even be a bit cheaper to maintain.
This article has been updated with additional reporting since its original publication. John Csiszar contributed to the reporting of this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Nov. 9, 2021.
Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have chase bank checking account been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.
About the Author
Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.
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