Complete List Of Ways To Close Bank Accounts At Each Bank

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

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.

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: 1 (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: 1 (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

• Phone: 1
• Secured message: 1, 2

Bank of America

Personal

• Secured message/chat: 1, 2, 3, 4 (didn’t work)
• Over the phone: 1, 2, 3
• In branch: 1
• In app: 1,

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

• Secured message: 1, 2,

Bank & Trust

• Phone: 1
• Secured message: 1,

BB&T

• Phone: 1, 2,
• Secured message: 1, 2, 3,

BBVA

• Secured message: 1, 2,

Blue Hills Bank

• Notarized letter or in branch: 1
• Close automatically with zero balance after a few months: 1

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,

Capital One 360

Checking

• Chat: 1, 2, 3,
• Phone: 1, 2

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,
• 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: 1 (business banking might not work), 2 (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)

Christian Community Credit Union

• Call: 1,
• Secured message: 1

CIT Bank

• Secured message: 1,

Citi

Checking:

• Chat: 1, 2, 3, 4 (downgrade), 5, 6, 7,
• Secured message: 1, 2, 3 (downgrade), 4, 5, 6,
• Phone: 1, 2, 3, 4,

Downgrade to basic checking:

• Phone: 1

Savings:

• Chat: 1, 2

Citadel Credit Union

• Secured message: 1, 2,

Citizens Bank

• Chat: 1,
• 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)

• In branch: 1 (other methods didn’t work)
• Phone: 1, 2,
• Mail: 1, 2,

Columbia Bank  (WA, OR, ID)

• In branch: 1,

Credit Union West

• Secured message: 1,

Dollar Bank

• FAX, Mail, or In-Branch: 1
• Fax: 1,

Discover

• Secured message: 1, 2, 3,

Elements

• Chat: 1,
• Phone: 1,
• Secured message: 1,

FCB South County Bank

• Closed automatically after zero balance for 10 days: 1

Fidelity Bank

• Online if balance is zero: 1
• Chat: 1,

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

• Cannot be closed by phone if the account has a balance: 1
• By phone: 1

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

• Mail: 1
• Phone: 1, 2

First Tennessee

• Phone: 1
• Secured message: 1, 2, 3

Five Star Bank

• Automatically closed if requested by phone and balance is zero for 10 business days: 1

Flushing Bank

• Phone : 1 (had to call the branch they opened the account with)
• Secured message: 1, 2,

Fulton Bank

• In branch: 1, 2, 3,
• Secured message: 1 (didn’t work), 2 (didn’t work), 3 (worked), 4, 5, 6,

Gesa Credit Union

• Phone: 1,

Hancock Whitney

• Fax: 1
• Phone: 1 (zero balance), 2 (secured message wasn’t allowed), 3, 4, 5 (zero balance)

Hanmi Bank

• Closed after a week of zero balance: 1,

Home Savings Bank

• In branch: 1

HomeStreet

• E-mail: 1, 2 (written request scanned in)
• Mail: 1

HSBC

• Chat: 1, 2,
• Phone: 1 (some good advice as well), 2, 3, 4 (business account)
• Secured message: 1, 2, 3,

Huntington

• Chat: 1, 2 (no longer an option), 3 (it’s an option again, under contact us), 4 (didn’t work)
• Branch: 1
• Phone: 1 (balance must be $0), 2, 3,
• Secured message: 1, 2 (no longer an option)

Iberia Bank

• In branch only: 1

Incredible Bank

• Call: 1,
• Chat: 1,
• Secured message: 1,

KeyBank

• Secured message: 1, 2, 3
• Phone: 1 (was told it couldn’t be done over SM), 2, 3, 4

Lakeland Bank

• Closed after zeroing balance: 1,

LegacyTexas Bank

• Phone: 1
• Closed with zero balance after ~ 2 months: 1
• Secured message: 1,

LevelOne Bank

• Fax or mail: 1 (also has some useful details)

Liberty Bank

• Secured message: 1,

Marcus By Goldman Sachs

• Phone: 1,

Memory Bank

• Live chat: 1, 2,
• By phone: 1,
• Secured message: 1, 2,

MidFirst Bank

• Secured message: 1,

Mountain America Credit Union

• By phone: 1
• Chat: 1,
• Secured message did not work: 1,

M&T

You have to have a balance of $0 to close via phone.

• In person: 1, 2
• Mail: 1
• Phone: 1, 2, 3
• Secured Message: 1, 2, 3, 4 (more info), 5, 6, 7, 8, 9,

Nationwide

• Secured message: 1, 2

Navy Federal Credit Union (NFCU)

• 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

• Must send in a letter or go in branch: 1
• Secured message: 1,

NYCB Family Of Banks

• In branch: 1

Ocean First

• In branch: 1
• Mailed letter: 1
• Secured message does not work: 1

Old National Bank

• Phone: 1 (balance must be $0)
• Secured chat: 1, 2,

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

• Chat: 1 (didn’t work: 1), 2 (didn’t work)
• Phone: 1,
• Closed in branch: 1

Pinnacle Bank (Texas)

• In branch: 1
• Closed after 30 days of no balance: 1

PNC

• Chat: 1, 2, 3, 4, 5, 6,
• Secured message: 1 (via Travel with Grant), 2, 3, 4,

Popular Community

• Secured message: 1,

Provident Bank

• Branch: 1,
• Secured message: 1,

Quorum FCU

• Phone: 1 2,

Radius Bank

• Secured message: 1

Regions Bank

• Secured message: 1, 2, 3,

Republic Bank

• Secured message: 1,

Ridgewood Savings Bank

• In branch or write a letter: 1,

Salem Five

• Secured message: 1 (after zeroing balance)

Sandy Spring Bank

• Secured message: 1,

Santander

• Phone: 1, 2, 3, 4, 5, 6, 7, 8, 9,

Seacoast Bank

• Phone: 1, 2

SEFCU

• Phone: 1,

SFGI

• Reduce balance to $0 and wait 60 days: 1

SkyOne Federal Credit Union

• Secured message: 1,

S&T Bank

• Direct message: Didn’t work
• Phone: 1

SunTrust

• Chat: 1,
• Phone: 1, 2
• Secured message: 1, 2, 3

Synovus

• Branch visit required: 1

Talmer Bank

• In branch or notarized: 1
• Notarized in branch: 1

TCF Bank

• Phone: 1,
• Secured message: 1,

Tech CU

• Secured message: 1

TD Bank

• Secured message: 1, 2, 3, 4, 5,
• Phone: 1, 2,
• Notarized letter: 1

Business

• In branch: 1

TIAA Direct

• Phone: 1, 2 (lots of useful information), 3,
• Secured messsage: 1 (with $0 account balance), 2,

UFB Direct

• Phone: 1,
• Secured message: 1

Unify

• Secured message: 1, 2,

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

• Phone: 1, 2, 3, 4, 5,
• Mail: 1
• Secured message: 1,

Valley National Bank

• Secured message: 1,

VantageWest

• Secured message: 1,

Varo Money

• E-mail: 1,

Verity Credit Union

• Online chat: 1,

Webster Bank

• Secured message: 1, 2,

Wells Fargo

• Secured message: 1, 2, 3 (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)

Westfield Bank (MA)

• In branch or notarized signature: 1,

Wintrust Bank

• Secured message: 1,