Just reposting this for those not aware of this resource.Yesterday we posted about the easiest way to close bank accounts, I thought it would properly be helpful to build a reference list with the ways you can close an account with each bank. This will require your contributions, so please put them in the comments below. You might also find the following bank pages helpful:
- Best Bank Bonuses
- Complete list of bank bonuses
- Bank accounts that can be funded with a credit card
- List of data points that trigger the direct deposit requirement for each bank
- Is opening a bank account a soft or hard pull? List of data points for each bank
I’d also recommend never relying on your account being automatically closed after zeroing a balance. Sometimes even if this has worked for other people it won’t work for you and you might be caught paying inactivity fees.
Contents
- 1 1st United Bank
- 2 Alliant
- 3 All America Bank/Redneck Bank
- 4 Amalgamated Bank
- 5 Amboy
- 6 Andigo Credit Union
- 7 Associated Bank
- 8 Astoria Bank
- 9 Bank of America
- 10 BB&T
- 11 Bank Of The West
- 12 Bank & Trust
- 13 BB&T
- 14 BBVA
- 15 Blue Hills Bank
- 16 BMO Harris
- 17 BMT (Bryn Mawr Trust)
- 18 Bridgeview Bank
- 19 Cambridge Savings Bank
- 20 CampusUSA
- 21 Capital Bank
- 22 Capital One 360
- 23 Chase
- 24 Chime
- 25 Christian Community Credit Union
- 26 CIT Bank
- 27 Citi
- 28 Citadel Credit Union
- 29 Citizens Bank
- 30 City National Bank (WV)
- 31 Columbia Bank (NJ)
- 32 Columbia Bank (WA, OR, ID)
- 33 Comerica
- 34 Credit Union West
- 35 Dollar Bank
- 36 Discover
- 37 Elements
- 38 FCB South County Bank
- 39 Fidelity Bank
- 40 Fifth Third
- 41 First America Bank
- 42 FirstBank
- 43 First Citizens Bank
- 44 First Federal Bank
- 45 First Horizon
- 46 First Merchants Bank
- 47 First National Bank
- 48 First National Bank of PA
- 49 First Niagara
- 50 First Tennessee
- 51 Five Star Bank
- 52 Flushing Bank
- 53 Fulton Bank
- 54 Gesa Credit Union
- 55 Hancock Whitney
- 56 Hanmi Bank
- 57 Home Savings Bank
- 58 HomeStreet
- 59 HSBC
- 60 Huntington
- 61 Iberia Bank
- 62 Incredible Bank
- 63 Investors Bank
- 64 KeyBank
- 65 Lakeland Bank
- 66 LegacyTexas Bank
- 67 LevelOne Bank
- 68 Liberty Bank
- 69 Lili
- 70 Marcus By Goldman Sachs
- 71 Memory Bank
- 72 MidFirst Bank
- 73 Midland States Bank
- 74 Monifi
- 75 Mountain America Credit Union
- 76 M&T
- 77 Nationwide
- 78 Navy Federal Credit Union (NFCU)
- 79 NBKC
- 80 Northpointe
- 81 Northshore Credit Union
- 82 Northwest
- 83 NYCB Family Of Banks
- 84 Ocean First
- 85 Old National Bank
- 86 Orion Federal Credit Union
- 87 PeoplesBank
- 88 Pinnacle Bank
- 89 Pinnacle Bank (Texas)
- 90 PNC
- 91 Popular Community
- 92 Provident Bank
- 93 Quontic
- 94 Quorum FCU
- 95 Radius Bank
- 96 Regions Bank
- 97 Republic Bank
- 98 Ridgewood Savings Bank
- 99 Rockland Trust Bank
- 100 Salem Five
- 101 Sandy Spring Bank
- 102 Santander
- 103 Seacoast Bank
- 104 SEFCU
- 105 SFGI
- 106 SkyOne Federal Credit Union
- 107 South Shore Bank
- 108 S&T Bank
- 109 SunTrust
- 110 Synovus
- 111 Talmer Bank
- 112 TCF Bank
- 113 Tech CU
- 114 TD Bank
- 115 TIAA Direct
- 116 Truist
- 117 UFB Direct
- 118 Unify
- 119 Union Bank
- 120 Union Bank & Trust
- 121 United Bank
- 122 USAA
- 123 U.S Bank
- 124 Valley National Bank
- 125 VantageWest
- 126 Varo Money
- 127 Verity Credit Union
- 128 Webster Bank
- 129 Wells Fargo
- 130 Westfield Bank (MA)
- 131 Wings Credit Union
- 132 Wintrust Bank
1st United Bank
- Secured message: 1
Alliant
- Secured message: 1,
All America Bank/Redneck Bank
- Secured message: 1 (zero balance)
Amalgamated Bank
- Letter: 1
- Live chat: 1, 2
- Phone: 1
- Message: 1
- Will close if balance is at $0 for thirty days: 1Â (not backed up by this datapoint)
Amboy
- Secured message: 1
Andigo Credit Union
- Secured message: 1,
Associated Bank
- Automatically after a few months of zero balance: 1Â (somebody else reported they were hit with a charge for this)
- In branch: 1
- Phone: 1
- Secured message: 1 (balance was $0), 2,
Astoria Bank
Bank of America
Personal
Business
- Phone: 1
BB&T
- Chat: 1,
- Secured message: 1, 2, 3 (didn’t work)
- Phone: 1, 2, 3 (business account)
- In branch: 1 (business account. Other methods didn’t work)
Bank Of The West
Bank & Trust
BB&T
BBVA
Blue Hills Bank
BMO Harris
- In branch: 1
- Live chat: 1, 2, 3, 4, 5, 6, 7, 8, 9, (live chat no longer an option)
- Phone: 1, 2, 3, 4,
- Secured message doesn’t work: 1,
BMT (Bryn Mawr Trust)
- Branch visit: 1,
Bridgeview Bank
- Phone: 1,
Cambridge Savings Bank
- Secured message: 1,
CampusUSA
- Secured message: 1,
Capital Bank
- Phone: 1,
Capital One 360
Checking
Savings/Money Market
- Click close account button (found here): 1
- Chat: 1, 2,
Chase
Thanks to reader Andrew for the following thresholds:
- Under $50: Secure Message (tell them if you want the balance transferred to another account, or if you want a check mailed). 1, 2, 3,
- Under $5,000: Through phone call (again, any balance remaining they will mail or can transfer to another account).
- Under $100,000: Via written request, including the name as it appears on the account, full account numbers, full social security number, current address and phone numbers and how you want to receive the balance remaining (mail or transfer to another account). Note, that if your balance is over $1,000, the letter must be notarized.
- Secured message: 1Â (business banking might not work), 2Â (this was for savings and they transferred funds to checking to close), 3 (doesn’t work for business), 4,
- Phone: 1, 2,
- Automatic: after 60 days with zero balance, they will close the account (1)
Chime
- Via app: 1,
Christian Community Credit Union
CIT Bank
- Secured message: 1,
Citi
Checking:
- Chat: 1, 2, 3, 4 (downgrade), 5, 6, 7,
- Secured message: 1, 2, 3Â (downgrade), 4, 5, 6,
- Phone: 1, 2, 3, 4,
Downgrade to basic checking:
- Phone: 1
Savings:
Citadel Credit Union
Citizens Bank
- Chat: 1, 2, 3,
- Phone: 1
- Letter: 1
- Secured message: 1, 2 (didn’t show as closed but was closed), 3, 4,
City National Bank (WV)
- Fax: 1,
Columbia Bank (NJ)
Columbia Bank (WA, OR, ID)
- In branch: 1,
Comerica
- Secured message: 1,
Credit Union West
- Secured message: 1,
Dollar Bank
Discover
Elements
FCB South County Bank
- Closed automatically after zero balance for 10 days: 1
Fidelity Bank
Fifth Third
- In-branch only: 1, 2 (business account)
- Letter: 1
- Phone: 1, 2, 3, 4, 5,
- Secured Message didn’t work: 1
- Secured message did work: 1, 2, 3, 4, 5,
First America Bank
- Secured message: 1,
FirstBank
- Chat: 1
First Citizens Bank
- Cannot close by phone, have to go in branch or fax in form: 1
First Federal Bank
First Horizon
- Closed by secured message: 1 (4/25/21 via e-mail)
First Merchants Bank
- In branch only, will also be auto closed after 4 months of $0 in account: 1
First National Bank
- Must close in branch.
First National Bank of PA
- SM: 1
First Niagara
First Tennessee
Five Star Bank
- Automatically closed if requested by phone and balance is zero for 10 business days: 1
Flushing Bank
Fulton Bank
Gesa Credit Union
- Phone: 1,
Hancock Whitney
Hanmi Bank
- Closed after a week of zero balance: 1,
Home Savings Bank
- In branch: 1
HomeStreet
HSBC
- Chat: 1, 2,
- Phone: 1 (some good advice as well), 2, 3, 4 (business account)
- Secured message: 1, 2, 3,
Huntington
- Chat: 1, 2Â (no longer an option), 3Â (it’s an option again, under contact us), 4 (didn’t work), 5,
- Branch: 1
- Phone: 1Â (balance must be $0), 2, 3,
- Secured message: 1, 2Â (no longer an option)
Iberia Bank
- In branch only: 1
Incredible Bank
Investors Bank
KeyBank
Lakeland Bank
- Closed after zeroing balance: 1,
LegacyTexas Bank
LevelOne Bank
- Fax or mail: 1Â (also has some useful details)
Liberty Bank
- Secured message: 1,
Lili
- Secured message: 1,
Marcus By Goldman Sachs
- Phone: 1,
Memory Bank
MidFirst Bank
Midland States Bank
Monifi
- Phone: 1,
Mountain America Credit Union
M&T
You have to have a balance of $0 to close via phone.
Nationwide
- Secured message: 1,
NBKC
- Secured message: 1 (after zeroing out)
Northpointe
- Phone: 1
Northshore Credit Union
- Must close in branch and it’s a long process: 1
Northwest
NYCB Family Of Banks
- In branch: 1
Ocean First
Old National Bank
Orion Federal Credit Union
- Secured message: 1 (with zero balance. Sent via e-mail on 4/3/20)
PeoplesBank
- Send secured message: 1
Pinnacle Bank
Pinnacle Bank (Texas)
PNC
- Chat: 1, 2, 3, 4, 5, 6,
- Phone: 1,
- Secured message: 1 (via Travel with Grant), 2, 3, 4, (no longer available?)
Popular Community
- Secured message: 1,
Provident Bank
Quontic
- Secured message: 1,
Quorum FCU
Radius Bank
- Secured message: 1
Regions Bank
Republic Bank
- Secured message: 1,
Ridgewood Savings Bank
- In branch or write a letter: 1,
Rockland Trust Bank
- Secured message: 1,
Salem Five
- Secured message: 1 (after zeroing balance)
Sandy Spring Bank
- Secured message: 1,
Santander
Seacoast Bank
SEFCU
- Phone: 1,
SFGI
- Reduce balance to $0 and wait 60 days: 1
SkyOne Federal Credit Union
- Secured message: 1,
South Shore Bank
- Chat: 1,
S&T Bank
- Direct message: Didn’t work
- Live chat: 1,
- Phone: 1
SunTrust
Synovus
- Branch visit required: 1
Talmer Bank
TCF Bank
Tech CU
- Secured message: 1
TD Bank
Business
- In branch: 1
TIAA Direct
Truist
- In branch: 1 (business)
UFB Direct
Unify
Union Bank
- Mail: 1 ($2 fee was charged)
Union Bank & Trust
- Secured message: 1,
United Bank
- Secured message: 1,
USAA
- Automatically closes with $0 statement balance: 1,
U.S Bank
According to U.S. Bank need to call in.
Valley National Bank
- Secured message: 1,
VantageWest
- Secured message: 1,
Varo Money
- E-mail: 1,
Verity Credit Union
- Online chat: 1,
Webster Bank
Wells Fargo
- Secured message: 1, 2, 3Â (business account), 4, 5 (business account), 6 (business account), 7 (business account), 8, 9, 10, 11, 12, 13 (personal), 14,
- Closed with zero balance: 1 (business)
- Online banking: 1,
- Phone: 1 (savings)
Westfield Bank (MA)
- In branch or notarized signature: 1,
Wings Credit Union
- Secured message: 1,
Just closed my US Bank checking account through Live Chat and it took less than 5 minutes. I couldn’t find the chat feature manually so I used the search phrase “chat with an associate” to connect.
KeyPoint CU can be closed over live chat during business hours
Citi – Tried to close via chat but was told I needed to call. Call took 5mins to close.
DP: Citi Bank doesn’t allow you to close an account via chat, must call their phone number
DP: Midland States Bank: Zeroed out account and was able to close via secured message.
Wells Fargo personal savings acct – didn’t see the option to send a secure message but was able to use chat to close savings account and transfer remaining balance to checking. Quick and painless.
Chase – Tried to close a CD during the grace period via SM and they wanted me to call or go to a branch.
There are not any recent Chase Business DPs: So here is one: I was able to 0 the balance in Chase business and then SM to close it. Easy. Had the account for a little over a year though may not have been necessary to keep it open that long after bonus, just wanted to make sure the banker at Chase would get his comission as it was opened in branch and he mentioned that he would get credit only if the account was open for a year.
I also closed my Chase Business Checking with a secure message recently. $0 balance. It was closed the next day. Also waited until over a year to close.
Travis Credit Union, was able to close via SM.
Service Credit Union can chat to close the account.