Complete List Of Ways To Close Bank Accounts At Each Bank
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
Contents
- 1 1st United Bank
- 2 All America Bank/Redneck Bank
- 3 Amalgamated Bank
- 4 Amboy
- 5 Associated Bank
- 6 Astoria Bank
- 7 Bank of America
- 8 BB&T
- 9 Bank Of The West
- 10 Bank & Trust
- 11 BBVA
- 12 Blue Hills Bank
- 13 BMO Harris
- 14 Bridgeview Bank
- 15 Capital One 360
- 16 Chase
- 17 Christian Community Credit Union
- 18 Citi
- 19 Citadel Credit Union
- 20 Citizens Bank
- 21 Columbia Bank
- 22 Discover
- 23 FCB South County Bank
- 24 Fidelity Bank
- 25 Fifth Third
- 26 FirstBank
- 27 First Citizens Bank
- 28 First Federal Bank
- 29 First Merchants Bank
- 30 First National Bank
- 31 First National Bank of PA
- 32 First Niagara
- 33 First Tennessee
- 34 Five Star Bank
- 35 Flushing Bank
- 36 Fulton Bank
- 37 Hancock Whitney
- 38 Home Savings Bank
- 39 HomeStreet
- 40 HSBC
- 41 Huntington
- 42 Iberia Bank
- 43 KeyBank
- 44 LegacyBank
- 45 LevelOne Bank
- 46 Memory Bank
- 47 Mountain America Credit Union
- 48 M&T
- 49 Nationwide
- 50 Northpointe
- 51 Northshore Credit Union
- 52 Northwest
- 53 NYCB Family Of Banks
- 54 Ocean First
- 55 Old National Bank
- 56 PeoplesBank
- 57 Pinnacle Bank
- 58 Pinnacle Bank (Texas)
- 59 PNC
- 60 Popular Community
- 61 Quorum FCU
- 62 Radius Bank
- 63 Regions Bank
- 64 Santander
- 65 Seacoast Bank
- 66 SFGI
- 67 S&T Bank
- 68 SunTrust
- 69 Synovus
- 70 Talmer Bank
- 71 Tech CU
- 72 TD Bank
- 73 TIAA Direct
- 74 UFB Direct
- 75 Union Bank
- 76 United Bank
- 77 U.S Bank
- 78 Webster Bank
- 79 Wells Fargo
1st United Bank
- 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
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)
Astoria Bank
Bank of America
Personal
Business
- Phone: 1
BB&T
Bank Of The West
- Secured message: 1
Bank & Trust
- Phone: 1
BBVA
Blue Hills Bank
BMO Harris
Bridgeview Bank
- Phone: 1,
Capital One 360
Checking
Savings/Money Market
- Click close account button (found here): 1
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).
- 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)
Christian Community Credit Union
- Secured message: 1
Citi
Checking:
Downgrade to basic checking:
- Phone: 1
Savings:
Citadel Credit Union
- Secured message: 1
Citizens Bank
Columbia Bank
Discover
FCB South County Bank
- Closed automatically after zero balance for 10 days: 1
Fidelity Bank
- Online if balance is zero: 1
Fifth Third
- In-branch only: 1
- Letter: 1
- Phone: 1, 2, 3, 4
- Secured Message didn’t work: 1
- Secured message did work: 1, 2, 3,
FirstBank
- Chat: 1
First Citizens Bank
- Cannot close by phone, have to go in branch or fax in form: 1
First Federal Bank
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
- Phone : 1 (had to call the branch they opened the account with)
Fulton Bank
Hancock Whitney
Home Savings Bank
- In branch: 1
HomeStreet
HSBC
Huntington
- Chat: 1, 2 (no longer an option), 3 (it’s an option again, under contact us)
- Branch: 1
- Phone: 1 (balance must be $0), 2
- Secured message: 1, 2 (no longer an option)
Iberia Bank
- In branch only: 1
KeyBank
LegacyBank
LevelOne Bank
- Fax or mail: 1 (also has some useful details)
Memory Bank
- By phone: 1,
Mountain America Credit Union
- By phone: 1
M&T
You have to have a balance of $0 to close via phone.
Nationwide
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
NYCB Family Of Banks
- In branch: 1
Ocean First
Old National Bank
Phone: 1 (balance must be $0)
PeoplesBank
- Send secured message: 1
Pinnacle Bank
Pinnacle Bank (Texas)
PNC
Popular Community
- Secured message: 1,
Quorum FCU
Radius Bank
- Secured message: 1
Regions Bank
Santander
Seacoast Bank
SFGI
- Reduce balance to $0 and wait 60 days: 1
S&T Bank
- Direct message: Didn’t work
- Phone: 1
SunTrust
Synovus
- Branch visit required: 1
Talmer Bank
Tech CU
- Secured message: 1
TD Bank
Business
- In branch: 1
TIAA Direct
UFB Direct
- Secured message: 1
Union Bank
- Mail: 1 ($2 fee was charged)
United Bank
- Secured message: 1,
U.S Bank
Webster Bank
Wells Fargo
- Secured message: 1, 2, 3 (business account), 4, 5 (business account), 6 (business account), 7 (business account)
- Closed with zero balance: 1 (business)
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M&T Bank – Sent them a secured message and they responded with they needed a signature from me. You can mail them a signed request, but you will be charged a $4 mail closing fee and a $10 official check fee. You can also close the account in branch for I assume no fees.
I filed CFPB complaint over their lack of options to close an account. They didn’t need a signature to open it so why do they need one to close it. All of a sudden they had no problems closing it for me.
I didn’t have luck getting $20 in fees reimbursed after they changed the terms of the account and slipped it in the electronic statement that they were doing that.
Citi has allowed me to close a citigold checking by chat in the past.
I tried this past week via chat and was told I had to call in to close a citigold account.
This is very helpful; I have accounts with Santander and Wells that will need to be closed.
Bank of America closed my account over the phone and sent me a check, successful close.
I closed BMO and Associated Bank in branches.
Hopefully somebody has word on closing a PNC checking. I don’t have a branch in state.
By the way, Bank of America offered me a $100 promotion for opening a checking account today. I poked around and it appears targeted. I don’t know how to submit this info and if there is a better way, please let me know.
Thanks for the data points, added them.
Will, BofA no longer has chat, I was unable to find any way to secure message them, about anything, either.
The phone option was not bad. They have the “we’ll call you back” option.
Here are more DP https://www.flyertalk.com/forum/credit-card-programs/1814914-bank-america-online-chat.html
I was able to close BoA Checking account through chat – one extra confirming data point.
Just closed Bank of America checking over phone. 12 mins on hold and then took >5 mins on phone. Called main line and said “close account.” No pushback from rep.
Balance if I had one would be mailed via cashiers check. Snailmail confirmation of account closure on deck
U.S. Bank will not do it over Secured Message. They’d rather do it over the phone or through U.S. Mail.
I tried to get an address to send a letter and was told mail is not an option. Have to call instead. (My wife hates calling in, and the account is in her name. More precisely, I opened accounts for both of us to get two bonuses; closed mine via phone but wanted to do hers via letter to save her the trouble of calling).
That is why I always request an address when I open a new bank account, just in case it’s necessary.
US Bank
P.O. Box 1800
St. Paul, MN 55101-0800
But I closed mine over phone.
You can close PNC accounts via chat for those who sign up for their bonuses.
I did this in Jan. 2016 after my $400 bonus posted.
Doesnt the account need to be open 6 months before closing to avoid a ETF? Or did you wait 6 months to close?
Added, thanks.
I’ve closed citi and BoA accounts in person at a branch. Cashed out at the teller and spoke with a banker for 5 minutes and got the paper work as a proof of closure. Seems easier than secure message or through the phone and less chance for any possible fee disputes.
Added data point, most people find it easier to close over phone/chat/secured message so they don’t need to go in branch.
PNC allowed me to close my checking account via live chat.
I closed a PNC Virtual Wallet account via live chat and it took about 8 minutes. Very easy.
Bofa- chat
Chase- secure msg
Citi- phone, if I remember correctly, when attempting to close through chat, they told me I had to call
Added data points, thanks.
My experience closing, how I got the funds and how easy it was. Note that before closing, I always first confirm with the bank that there will be no early termination fee (if I have had the account open longer than the min).
Chase – secure message, ACH’d the remaining balance (easy)
CapitalOne 360 – called, ACH’d the remaining balance (easy)
Nationwide – secure message, ACH’d the remaining balance (easy)
Amboy – secure message, ACH’d the remaining balance (easy)
SunTrust – sent 2 secure messages, mailed me a check for outstanding balance (okay)
Discover – sent 3 secure messages, keep getting reply that there is an error in their processing (hard)
FirstCitizens – it was a nightmare, avoid these folks if possible, had my funds locked up for 2+ months, eventually got a check (hard)
Homestreet – you have to mail a letter to the branch (hard)
Everbank – called, they offered me another 6 months at 1.6%, so I kept it open
Thanks for the amazing data points, Victor. Added them all
I was able to close my BofA Business Checking account over the phone.
Confirmed, I just did as well.
US BANK???
Yesterday I just closed my Citi Savings account via SM. Last month I downgraded my Citigold to Basic checking with a phone call — Citi wouldn’t proceed with the downgrade via SM or chat.
Added those data points, thanks.
After I got the bonus from Huntington bank and Fifth Third bank, I transferred all the money in there and never used it again. Interestingly, six months passed, they closed my accounts. I don’t have to bother myself to close them.
Problem is some financial institutions have an inactivity fee, so I wouldn’t do that for all of them.
Depending on the institution, reducing your balance to $0 may incur additional charges. If those additional charges are not paid, that could result in negative information posted to Chex, thereby stopping you from opening other accounts.
I seem to remember that while Huntington offered a bonus on their Asterisk Free checking, Fifth Third required a minimum balance in the account to avoid fees.
You guys are right. But my Fifth Third bank account monthly fee got waived because I am a college student. I was just stating that some financial institutions will close your account if it is inactive for a period time which may be useful to add into the list since you don’t have to waste the time to do it.
my experience:
Citizens bank: Phone
TD Bank: secure message and/or phone
First Niagara: Mail
Huntington: Chat
Citadel CU: Secure message
Nationwide: Secure message
US Bank: Phone
Capital One checking: Phone
Capital One Saving: Online/self
Santander: Phone
M&T: In Person and/or Mail
Thanks, amazing data points added them all. Are capital one for capital one for capital one 360?
For 360
UFB Direct – Repeatedly deposit money orders and then transfer the balance out. They’ll close it for you. 😉
Same goes for plenty of banks, but don’t do that if you ever want to have a relationship with them again. Many people don’t like getting blacklisted.