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
![always be closing](https://www.doctorofcredit.com/wp-content/uploads/2016/01/always-be-closing-300x169.jpg)
Picture idea via Amol
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 Ally
- 5 Amalgamated Bank
- 6 Amboy
- 7 Andigo Credit Union
- 8 Associated Bank
- 9 Astoria Bank
- 10 Bank of America
- 11 BB&T
- 12 Bank Of The West
- 13 Bank & Trust
- 14 BB&T
- 15 BBVA
- 16 Blue Hills Bank
- 17 BMO Harris
- 18 BMT (Bryn Mawr Trust)
- 19 Bridgeview Bank
- 20 Cambridge Savings Bank
- 21 CampusUSA
- 22 Capital Bank
- 23 Capital One 360
- 24 Chase
- 25 Chime
- 26 Christian Community Credit Union
- 27 CIT Bank
- 28 Citi
- 29 Citadel Credit Union
- 30 Citizens Bank
- 31 City National Bank (WV)
- 32 Columbia Bank (NJ)
- 33 Columbia Bank (WA, OR, ID)
- 34 Comerica
- 35 Credit Union West
- 36 Dollar Bank
- 37 Discover
- 38 Elements
- 39 FCB South County Bank
- 40 Fidelity Bank
- 41 Fifth Third
- 42 First America Bank
- 43 FirstBank
- 44 First Citizens Bank
- 45 First Federal Bank
- 46 First Horizon
- 47 First Merchants Bank
- 48 First National Bank
- 49 First National Bank of PA
- 50 First Niagara
- 51 First Tech Federal Credit Union
- 52 First Tennessee
- 53 Five Star Bank
- 54 Flushing Bank
- 55 Fulton Bank
- 56 Gesa Credit Union
- 57 Hancock Whitney
- 58 Hanmi Bank
- 59 Home Savings Bank
- 60 HomeStreet
- 61 HSBC
- 62 Huntington
- 63 Iberia Bank
- 64 Incredible Bank
- 65 Investors Bank
- 66 KeyBank
- 67 Lakeland Bank
- 68 LegacyTexas Bank
- 69 LevelOne Bank
- 70 Liberty Bank
- 71 Lili
- 72 Marcus By Goldman Sachs
- 73 Memory Bank
- 74 MidFirst Bank
- 75 Midland States Bank
- 76 Monifi
- 77 Mountain America Credit Union
- 78 M&T
- 79 Nationwide
- 80 Navy Federal Credit Union (NFCU)
- 81 NBKC
- 82 Northpointe
- 83 Northshore Credit Union
- 84 Northwest
- 85 NYCB Family Of Banks
- 86 Ocean First
- 87 Old National Bank
- 88 Orion Federal Credit Union
- 89 PeoplesBank
- 90 Pinnacle Bank
- 91 Pinnacle Bank (Texas)
- 92 PNC
- 93 Popular Community
- 94 Provident Bank
- 95 Quontic
- 96 Quorum FCU
- 97 Radius Bank
- 98 Regions Bank
- 99 Republic Bank
- 100 Ridgewood Savings Bank
- 101 Rockland Trust Bank
- 102 Salem Five
- 103 Sandy Spring Bank
- 104 Santander
- 105 Seacoast Bank
- 106 SEFCU
- 107 SFGI
- 108 SkyOne Federal Credit Union
- 109 South Shore Bank
- 110 S&T Bank
- 111 SunTrust
- 112 Synovus
- 113 Talmer Bank
- 114 TCF Bank
- 115 Tech CU
- 116 TD Bank
- 117 TIAA Direct
- 118 Truist
- 119 UFB Direct
- 120 Unify
- 121 Union Bank
- 122 Union Bank & Trust
- 123 United Bank
- 124 USAA
- 125 U.S Bank
- 126 Valley National Bank
- 127 VantageWest
- 128 Varo Money
- 129 Verity Credit Union
- 130 Webster Bank
- 131 Wells Fargo
- 132 Westfield Bank (MA)
- 133 Wings Credit Union
- 134 Wintrust Bank
1st United Bank
- Secured message: 1
Alliant
- Secured message: 1,
All America Bank/Redneck Bank
- Secured message: 1 (zero balance)
Ally
- Secured message: 1,
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,
- Closed after 60 days with no balance: 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, 6,
- 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 Tech Federal Credit Union
- Secured message: 1,
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
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), 2,
- Online banking: 1,
- Phone: 1 (savings), 2,
Westfield Bank (MA)
- In branch or notarized signature: 1,
Wings Credit Union
- Secured message: 1,
I was able to close my checking and savings account at NWFCU (Northwest Federal Credit Union) through a Secure Message on their website.
BMO: Zeroed out balance. Dragged feet to chat to close; auto closed after 60 days of 0 balance.
Some DPs from July 2024:
PenFed closed via chat
Hey
William Charles – I notice First Tech Federal isn’t on this list yet. Looks like @ShawnTheShawn has a data point though:
https://www.doctorofcredit.com/first-tech-federal-credit-union-300-checking-bonus-2/#comment-1861470
Thanks, added.
You can close USAA online in 15 seconds.
Holy cow amazing update- Wells Fargo now allows account closure (at least for personal accounts) online as a simple automated request. Click the “Accounts” drop down at the top, then under “Manage Accounts” you will see “Close Your Account” as an option. It then walks you through selecting the account to close, lists the various disclosures, and ends with a beautifully simple “Confirm Account Closure” button at the end. Click approve and next screen shows account closed!
THANK YOU! I just did this. Took seconds!!
Closed Wells Fargo account online on 6/21. Moved balance to another account on 6/18 then got charged the overdraft fee right away so I made a transfer from another account to Wells Fargo to clear the balance and waited until it posted before I could close it. Only took three clicks to close it.
SouthState – able to close today via chat
I was able to close my Huntington account today via chat, so it appears to be an option again.