How to Close Chase Account | Close Saving & Checking Account:
If you possess a bank account that you are no longer in use of, then you might think of closing it there just in case, might be the better thing to do. If later on, you might need it, there’s no need to close it in case the account doesn’t come with any associated monthly fees. However, if your current bank is charging a fee, then you might wish to consider closing that account.
Although, few banks permit you to close your account, while others don’t. But what about Chase Bank Accounts? How can you close them – and if you do, in any way will it affect your Credit Score? We will discuss in this article, what are the steps you will have to take to close this type of account. This article will help you to guide on how to close a Chase Account.
Can you able to close a Chase Account:
You can able to open a Chase account at the Chase Bank – perhaps the biggest chain of banks within the United States. You can easily utilize the account as you would in any other financial bank, regardless of assuming that you are a local resident or you really want to bank for immigrants – and clearly, you can close it similarly.
In order to be maintained, each bank account has a specific monthly charge, but fortunately, it is totally free, if you decide to close by yourself. By going to the bank by yourself, you can easily close the account, or through telephone, or online on the Chase Bank platform, or even by sending them a mail. There are multiple ways for you to close the Chase account, so if you don’t wish to hold it, you may effectively close it down.
All you need to Do Before You Close Your Account:
There are a few things that you may wish to do before you close your Chase Account. Some of them are more essential than others, so you might want to keep them in mind. Please follow through with what you’ll need to do:
Before closing down make sure you have a New Account:
Among the essential steps, before you move on and shut down your Chase Bank account, please ensure that you just have another bank account available already. If you are already been utilizing a parallel account with the Chase account and you’re quite comfortable with it, then please continue that account. However, please ensure that you just open a brand new one before you close up the current one, in case you’ve been utilizing a Chase Bank account exclusively, and wish to alter your bank.
Remaining Balance Transfer:
This is also a necessary step, in your checking account if you possess any remaining balance, you should immediately transfer it into your current new account. You might wish to do this a few days before closing your Chase Bank Account, as it may take a few days until the transfer process is fully completed.
Review your Recurrent Charges & Subscriptions:
If you wish to review your monthly statement to view if you have any recurrent charges (e.g. utility bills, rent, etc.). And you might wish to transfer all of those charges to your present new account at least 15 (fifteen) days before they’re due. These charges may not show up on your monthly statement as this goes for any semi-annual recurring charges as well.
If you have the subscriptions such as Netflix, Spotify, or Apple Music that are automatically deducted from your Chase Bank Account? If so, then please make sure that you have transferred those charges to your new account.
Taking Steps to Redirect Your Salary Account:
If you are utilizing your Chase Bank Account as your primary salary account, then immediately take the necessary steps that are required to redirect it to your new account. You surely have to do this transfer at least 1 (one) week before you are to receive your salary.
Check Overdue Bank Charges:
In any circumstances, if you possess any kind of overdue or late bank fees, then you will have to check for them & and resolve them. This step is very essential if you want to protect your credit score. Additionally, if you are a non-United States citizen, this may affect you in the future even more if you plan on taking a loan.
Guidelines to close your Chase Bank Checking or Savings Account:
Presently, the following are your best options available to close your Chase Account:
Request through Online Service:
The easiest way is to shut down your Chase Account is the online method. Primarily, you will need to Sign In to the account through Chase’s website at www.chase.com.
Hereunder the option “Secure Message Center”, there’s a link to send an “E-mail” requesting to close the Chase Account. You will receive an answer within 2 (two) business days, that contains follow-up questions and guidelines.
Request by Visiting Chase Bank:
You can also move on to your nearest Chase branch & ask to speak with a banker and they can guide you with closing your savings or checking account. Only you will have to make sure to verify your identity firstly along with your personal information like Social Security Number (SSN), Driver’s License, or any Government verified ID Card.
Request through Customer Care Service:
On the other hand, you can simply contact the Chase Bank Customer Care Service Number at 1 -800 -935 -9935 and follow through with the guidelines to verify your account information. After calling, you can easily speak with a banker & put your request to close the Chase Account.
Request through Sending Mail:
Alternatively, you can also submit your request directly via Mail to:
National Bank (By Mail),
P.O. Box 36520,
Louisville, KY 40233 -6520
Can closing your Chase Account can affect Your Credit Score:
Without affecting your Credit Score you can easily close your Chase savings or checking account as long as you follow the guidelines, on what to do before closing your account. There is no reason it should negatively affect your Credit Score if presently your account is in good standing without any kind of unpaid fees or a negative balance.
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JPMorgan Chase Bank NA
270, Park Avenue,
New York, NY 10017
Customer Care Services (Call): 1 -800 -935 -9935
To Report Fraud (Call): 1 -800 -955 -9060 (For Personal Credit Card) Monday to Friday 8 a.m. to 9 p.m. ET and Saturday to Sunday 9 a.m. to 6 p.m. ET.
To Report Fraud (Call): 1 -800 -269 -8690 (For Business Credit Card) Monday to Friday 8 a.m. to 12 a.m. (Midnight) ET and Saturday to Sunday 9 a.m. to 6 p.m. ET.
To Report Fraud (Fax): 1 -614 -422 -7171 (For Business Credit Card)
To Report Lost or Stolen Credit Card (Call): 1 -800 -432 -3117
Please Note: Chase Bank accepts operator relay calls. If someone is having, hard of hearing, deaf, or having a speech disability, please call 711 for any assistance.