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.
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 Bluevine
- 18 BMO Harris
- 19 BMT (Bryn Mawr Trust)
- 20 Bridgeview Bank
- 21 Cambridge Savings Bank
- 22 CampusUSA
- 23 Capital Bank
- 24 Capital One 360
- 25 Chase
- 26 Chime
- 27 Christian Community Credit Union
- 28 CIT Bank
- 29 Citi
- 30 Citadel Credit Union
- 31 Citizens Bank
- 32 City National Bank (WV)
- 33 Columbia Bank (NJ)
- 34 Columbia Bank (WA, OR, ID)
- 35 Comerica
- 36 Credit Union West
- 37 Dollar Bank
- 38 Discover
- 39 Elements
- 40 FCB South County Bank
- 41 Fidelity Bank
- 42 Fifth Third
- 43 First America Bank
- 44 FirstBank
- 45 First Citizens Bank
- 46 First Federal Bank
- 47 First Horizon
- 48 First Merchants Bank
- 49 First National Bank
- 50 First National Bank of PA
- 51 First Niagara
- 52 First Tech Federal Credit Union
- 53 First Tennessee
- 54 Five Star Bank
- 55 Flushing Bank
- 56 Fulton Bank
- 57 Gesa Credit Union
- 58 Hancock Whitney
- 59 Hanmi Bank
- 60 Home Savings Bank
- 61 HomeStreet
- 62 HSBC
- 63 Huntington
- 64 Iberia Bank
- 65 Incredible Bank
- 66 Investors Bank
- 67 KeyBank
- 68 KeyPoint
- 69 Lakeland Bank
- 70 LegacyTexas Bank
- 71 LevelOne Bank
- 72 Liberty Bank
- 73 Lili
- 74 Marcus By Goldman Sachs
- 75 Maxx By Cedar Rapids
- 76 MECU Credit Union
- 77 Memory Bank
- 78 MidFirst Bank
- 79 Midland States Bank
- 80 Monifi
- 81 Mountain America Credit Union
- 82 M&T
- 83 Nationwide
- 84 Navy Federal Credit Union (NFCU)
- 85 NBKC
- 86 Northpointe
- 87 Northshore Credit Union
- 88 Northwest
- 89 NYCB Family Of Banks
- 90 Ocean First
- 91 Old National Bank
- 92 Orion Federal Credit Union
- 93 PeoplesBank
- 94 Pinnacle Bank
- 95 Pinnacle Bank (Texas)
- 96 PNC
- 97 Popular Community
- 98 Provident Bank
- 99 Quontic
- 100 Quorum FCU
- 101 Radius Bank
- 102 Regions Bank
- 103 Republic Bank
- 104 Ridgewood Savings Bank
- 105 Rockland Trust Bank
- 106 Salem Five
- 107 Sandy Spring Bank
- 108 Santander
- 109 Seacoast Bank
- 110 SEFCU
- 111 SFGI
- 112 SkyOne Federal Credit Union
- 113 South Shore Bank
- 114 S&T Bank
- 115 Suffolk Credit Union
- 116 SunTrust
- 117 Synovus
- 118 Talmer Bank
- 119 TCF Bank
- 120 Tech CU
- 121 TD Bank
- 122 TIAA Direct
- 123 Truist
- 124 UFB Direct
- 125 Unify
- 126 Union Bank
- 127 Union Bank & Trust
- 128 United Bank
- 129 USAA
- 130 U.S Bank
- 131 Valley National Bank
- 132 VantageWest
- 133 Varo Money
- 134 Verity Credit Union
- 135 Webster Bank
- 136 Wells Fargo
- 137 Westfield Bank (MA)
- 138 Wings Credit Union
- 139 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: 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
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
Bluevine
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: 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)
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, 3 (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, 2 (no longer an option), 3 (it’s an option again, under contact us), 4 (didn’t work), 5,
- 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
Investors Bank
KeyBank
KeyPoint
- Chat: 1,
Lakeland Bank
- Closed after zeroing balance: 1,
LegacyTexas Bank
LevelOne Bank
- Fax or mail: 1 (also has some useful details)
Liberty Bank
- Secured message: 1,
Lili
- Secured message: 1,
Marcus By Goldman Sachs
- Phone: 1,
Maxx By Cedar Rapids
- Secured message: 1,
MECU Credit Union
- In-branch, mail, fax, or secure message, but you have to upload/send a signed letter and “photocopy” of the ID card. I sent a photo of it: 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
Suffolk Credit Union
- Secured message: 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, 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), 2,
- Online banking: 1,
- Phone: 1 (savings), 2,
Westfield Bank (MA)
- In branch or notarized signature: 1,
Wings Credit Union
- Secured message: 1,
US Bank DP: Was outside of business hours so I could only close through their automated call system. It doesn’t provide “close account” as an option, but it recognized what to do when I said it. Had to go one account at a time.
BoA: Tried to close via SM online but was told have to call
Flagstar opened in branch OOS was required to close in branch
DP: Laurel Road Closed via chat during business hours. Agent said account would be “officially closed” within next 2 business days. 6/1/2025
I have an interesting DP for US Bank. I had a personal and business checking that I closed at the same time. When I tried to close the personal account online, it told me I had to call.
When I tried to close the business account, it gave me a chat option. Chat then let me close both accounts at the same time.
Marcus can be closed online. Click into the account >> 3-dots menu >> close account. It will offer to make a final funds transfer / accrued interest to a linked account as well, very convenient.
Just got done with the process of closing my Citi checking account. It can be done over chat, but they try their absolute best to make it as difficult to find as possible.
You have to first ask for a representative in chat, only THEN can you mention you want your account closed. And don’t even get me started with trying to do it over the phone…
So infuriating! The chatbot tells you to call in and then the IVR says the account can’t be serviced by phone!!! Thanks for the tip to try to get a live representative on chat.
BMO:
Personal could close via chat in Dec 2024
Biz chat said I had to call in May 2025
Community Financial Credit Union (michigan) – Chat in app, very quick no pressure
Wells Fargo Personal Checking – Online Banking
Love that you can close this one online instantly.
How so? Not seeing it online2nd Header from the Top > Accounts > Manage Accounts > Close an Account
Looks like you need to wait for pending transactions to go through, so if you 0 it out, need to wait for it to go through