Posted by William Charles on January 21, 2016
Bank Account Bonuses

Published on January 21st, 2016 | by William Charles

340

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:

always be closing

Picture idea via Amol

Amalgamated Bank

Amboy

  • Secured message: 1

Associated Bank

Astoria Bank

  • Phone: 1
  • Secured message: 1, 2

Bank of America

Personal

  • Secured message/chat: 1, 2, 3
  • Over the phone: 1, 2, 3
  • In branch: 1

Business

  • Phone: 1

BB&T

  • Secured message: 1
  • Phone: 1

Bank Of The West

  • Secured message: 1

Bank & Trust

  • Phone: 1

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,
  • Phone: 1, 2, 3

Capital One 360

Checking

  • Chat: 1, 2,
  • Phone: 1, 2

Savings/Money Market

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.

Christian Community Credit Union

  • Secured message: 1

Citi

Checking:

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

Downgrade to basic checking:

  • Phone: 1

Savings:

  • Chat: 1, 2

Citadel Credit Union

  • Secured message: 1

Citizens Bank

  • Phone: 1
  • Letter: 1
  • Secured message: 1, 2 (didn’t show as closed but was closed)

Columbia Bank

  • Phone: 1, 2,

Discover

  • Secured message: 1, 2, 3,

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

  • 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)

Fulton Bank

Hancock Whitney

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

Home Savings Bank

  • In branch: 1

HomeStreet

  • E-mail: 1
  • Mail: 1

HSBC

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

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

  • Secured message: 1, 2, 3
  • Phone: 1 (was told it couldn’t be done over SM), 23, 4

LegacyBank

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

LevelOne Bank

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

Mountain America Credit Union

  • By phone: 1

M&T

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

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

Nationwide

  • Secured message: 1, 2

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

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

PeoplesBank

  • Send secured message: 1

Pinnacle Bank

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

Pinnacle Bank (Texas)

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

PNC

Quorum FCU

  • Phone: 1 2,

Radius Bank

  • Secured message: 1

Regions Bank

  • Secured message: 1, 2, 3,

Santander

Seacoast Bank

  • Phone: 1, 2

SunTrust

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

Synovus

  • Branch visit required: 1

Talmer Bank

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

Tech CU

  • Secured message: 1

TD Bank

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

Business

  • In branch: 1

TIAA Direct

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

UFB Direct

  • Secured message: 1

U.S Bank

  • Phone: 1, 2, 3
  • Mail: 1

Webster Bank

  • Secured message: 1, 2,

Wells Fargo

  • Secured message: 1, 2, 3 (business account), 4, 5 (business account), 6 (business account)



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340 Comments on "Complete List Of Ways To Close Bank Accounts At Each Bank"

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Brandon
Brandon

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.

Kyle
Kyle

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.

Joe
Joe

Citi has allowed me to close a citigold checking by chat in the past.

BC
BC

I tried this past week via chat and was told I had to call in to close a citigold account.

Darv
Darv

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.

Don L

I was able to close BoA Checking account through chat – one extra confirming data point.

Vic
Vic

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

Jeremy
Jeremy

U.S. Bank will not do it over Secured Message. They’d rather do it over the phone or through U.S. Mail.

TCW
TCW

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).

John
John

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.

The Man
The Man

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.

Jay
Jay

Doesnt the account need to be open 6 months before closing to avoid a ETF? Or did you wait 6 months to close?

James
James

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.

Drew R
Drew R

PNC allowed me to close my checking account via live chat.

Shaun
Shaun

I closed a PNC Virtual Wallet account via live chat and it took about 8 minutes. Very easy.

Paul
Paul

Bofa- chat
Chase- secure msg
Citi- phone, if I remember correctly, when attempting to close through chat, they told me I had to call

Victor
Victor

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

Dillon Welch
Dillon Welch

I was able to close my BofA Business Checking account over the phone.

HORACE
HORACE

US BANK???

Rubic
Rubic

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.

cw
cw

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.

Bill
Bill

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.

cw
cw

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.

jay
jay

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

Paul
Paul

UFB Direct – Repeatedly deposit money orders and then transfer the balance out. They’ll close it for you. 😉

Gary
Gary

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.

John
John

I was not able to close my Key bank account via SM. I was required to call in.

Carlos
Carlos

Hey guys how about a list of banks who send out 1099’s on the bonus and allowing us to tell you guys who we have received them from.
Could be helpful for those who need to file a tax return and dont know if they are getting one.
I know PNC never does, but Ocean first does.
Chase and T&D not sure about.

FlyerDad
FlyerDad

Closed my Citigold savings account through online chat.

Dave_B
Dave_B

Just closed a checking account at Key Bank. I did it over the phone, talking to a customer service rep.

They said that the process would take 5 business days. As a monthly maintenance fee was scheduled to be charged during those 5 days, the rep said that she’d void out the fee when it posted.

Be sure to ask for this if there’s a monthly fee coming up. It was implied that otherwise the account, after starting the closing process, would have had the fee charged and would have gone negative, which would have prevented the closing process from finishing.

JW
JW

BMO Harris, closure via online chat was no problem.

Don L

Thanks, JW.

Closing BMO via chat worked for me too.

eChat button on the lower right hand portion of the screen

Chuck

I closed BBT a year or two ago via SM online.

Tom
Tom

jay, you were lucky. I tried to close Huntington by chat, no. Sent a letter to their main office, no. Both times i was told I had to go to the local branch to close the account, so I did. The rep didn’t ask one question why I was closing and was very professional.

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[…] can even downgrade or close the account online via secure message or probably via […]

John
John

Anyone have experience closing Igo Bank MM/checking min bal. to avoid fees $25K out of NY. They are very fussy.
Also, I may be dumb but, what does the “1 and 1,2” mean after a comment of how to close? Great info. Thanks so much.

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[…] Complete List Of Ways To Close Bank Accounts At Each Bank […]

Daniel
Daniel

Astoria Bank you can close by secure message, I was told I could transfer out money and then request account closure.
Thanks for making this list!

Elliot
Elliot

Datapoint: I was able to close MountainOne Bank accounts via secure message.

cw
cw

Closed M&T over the phone.

alex
alex

how did you close m&t over the phone? they wont let me. they keep saying i need to mail them something!

Yuhao Huang
Yuhao Huang

I called the number on its website’s “contact” and said I want to close my account, that’s it. Maybe they changed the policy? Or you can try different reps?

Jenn
Jenn

Closed all M&T accounts (only one was 6 months old) via phone as of 11/9/2017

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[…] Complete List Of Ways To Close Bank Accounts At Each Bank […]

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[…] Complete List Of Ways To Close Bank Accounts At Each Bank […]

Dave_B
Dave_B

I just closed a First Niagara account over the phone.

Steve
Steve

I just closed First Niagara account over the phone, 800-421-0004. It literally took 1 minute. Make sure you drain your account balance to $0 before calling.

Dave_B
Dave_B

I had $0.01 left in an M&T bank account, and tried to close it over the phone. They could not because of the remaining balance.

I had to go in branch to close the account. (At which point they didn’t care about the $0.01, although they said I could wait in line to withdraw the penny if I felt like it. I didn’t.)

So, you can close an M&T bank account out over the phone, but only if the balance is exactly $0.00

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[…] Complete List Of Ways To Close Bank Accounts At Each Bank […]

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[…] Complete List Of Ways To Close Bank Accounts At Each Bank […]

Steve
Steve

As of 3/21/16.

Citi – Chat
Huntington – Chat (feature must be back – it wasn’t showing up for me a few weeks ago, or I was logged on during a time it wasn’t available)

PG
PG

Just closed my Discover checking account by SM. Quick and easy- they didn’t even bother to reply, just closed it!

Eric
Eric

data point on first national bank: Just tried calling to close and the rep said in needs to be done in branch because they require photo ID for it.

Keith
Keith

DP here for Citizens Bank. I sent a SM and got this response, helpful if you are looking to close this bank’s account.

Easy Way
————-

As a more convenient option, you can close the account by transferring the remaining funds into another account that you hold using the “Transfer Funds” menu. Fees may apply. You can also write a check for the remaining balance and cash the item to bring the balance down to zero.

If the account is brought to a zero balance, it will close provided there is no activity.

A closed account can be reopened if any items are presented to the account within 60 business days. If interest is scheduled to post within 7-10 days, the account could be reopened due to the interest credit. Please ensure that you have no outstanding items, and have cancelled any automatic withdrawals or deposits. Once an account reaches 60 business days at zero, it will terminate on the 61st business day; a terminated account cannot be reopened.

If you have any further questions or concerns, please contact our 24-hour Customer Service Center at 800 922-9999.

OR Send Letter
————
If you wish to close your account, you can send a letter to the branch.

Please remember to include your account number, Social Security Number, a phone number we can reach you at, and your full signature. We also require an address where you would like the account balance to be sent.

Harold
Harold

I recently closed an HSBC Bank checking account. The procedure is to first remove all the funds, so that the account balance is zero and then call the phone number on the statement and ask them to close the account. Its best to do this soon after the statement closes because you will be assessed a monthly fee (and probably an overdraft fee, too) if a statement generates between zeroing out the account and the account closure taking effect. The CSR said that would happen three business days after the call.

Dillon Welch
Dillon Welch

Additional data point on HomeStreet. I emailed onlinebanking@homestreet.com with a scanned copy of a written letter stating “Please close account # ” and with my signature, and a few days later received an email titled “Action required – Your primary funding account has been deleted”, which I’m taking to mean my account is closed.

jack
jack

any datapoint on first tennessee?

Dave_B
Dave_B

First Tennessee:
I was able to close my checking account over the phone. I did not try any other methods. I ensured that my account was at a zero balance before attempting to close it.

Don L

I was able to close my account at First Tennessee through secure message within their new Digital Banking 2.0.

IOException
IOException

Some more data points:

Northpointe automatically closed after 30 days of zero balance.

Pinnacle Bank was easy via chat, but I was told it would have eventually closed by itself with zero balance. You’ll need to remember your security question.

Associated Bank automatically closed after a couple months of zero balance.

Wells Fargo was easy via SM, though every time I move, USPS informs them and they kindly let me know that they’ve updated my debit card??? Yes, I double checked, the account is still closed…

The one thing I find weird is how many banks never notify you when they close these accounts. (Associated bank and Northpointe never did.) Associated bank still sends me CC offers tho. 😐

Panda
Panda

Data Point:
Seacoast bank can be closed by phone very easily. They’ll just verify your account information and close it after a brief hold. My account had a $0 balance, so I can’t comment on how they transfer remaining funds.

jack
jack

keybank closed my hassle free account via sm this week

Sarah
Sarah

Data point for Bank of the West. I sent an SM, and they responded the next day that the account would be closed within 5 business days.

rfclub
rfclub

it only works if the balance is below $200.

Superchurn
Superchurn

Oh, mine will be…mine WILL BE 😀

Panda
Panda

Data point for Fifth Third Bank. I tried closing over phone, but was told it has to be done in branch and that the account must have a zero balance before closing (either transfer the money out first or withdraw it in person). Going to a branch, though a slight annoyance, was quick and painless. They asked for ID and confirmed some details about the account before closing it.

Dave_B
Dave_B

First Tennessee:
I was able to close my checking account over the phone. I did not try any other methods. I ensured that my account was at a zero balance before attempting to close it.

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[…] Complete List Of Ways To Close Bank Accounts At Each Bank […]

Harold
Harold

Closing your account at Santander Bank does not shut off bill pay. If you have set up a monthly bill pay from your checking account, make sure to cancel it before going into the branch to close the account. If you don’t do this, Fiserv (their bill pay service) will attempt your next scheduled bill pay. It will fail because the account is closed, and it will cost you $39 in fees. I found out about this the hard way.

trackback

[…] the change, you can simply close down the accounts if you don’t want them. You can close over the phone, there may be other options as well. Best would be to close it out between when you get your bonus […]

payyoutuesday
payyoutuesday

I closed my checking and savings accounts at Regions Bank and Tech CU by secure message. In each case, I sent the initial request, the bank replied asking for confirmation, I confirmed, and the bank closed my accounts.

Based on the Regions Bank message, if the value of your accounts is less than $1,000, Regions Bank will close the accounts by secure message and mail the balance to the address of record. If your balance is greater than $1,000, there were other requirements (I forget what — notarized something?). I had more than $1,500 with Regions to keep my checking account fee-free, so I drew my savings account down to $0 and my checking account down to $50, waited for the transactions to complete, then confirmed my intent to close the accounts.

With Tech CU, my checking balance was $0 and my savings balance was $25 when I made the request.

Jeff H
Jeff H

I called NorthPointe Bank .. talked to CSR who advised me to ACH* pull funds to zero account balance and call them to close.when the account balance is zeroed out.

*ACH sent by Northpointe Bank has a $3.00 fee. Instead, I had the destination bank ACH pull the funds. No fee that way.

Doug
Doug

Bank of America credit cards- I dont see a way to cancel this via secure message. The only option is to order statements. Also they wont close via Chat..they make you call…anyone else have any other experiences?

Dave_B
Dave_B

Fidelity Bank( https://www.doctorofcredit.com/pa-only-fidelity-bank-offering-200-checking-100-savings-bonus-2/ ):
I don’t live in PA(for reference, you can open accounts with them and get the bonus if you open in branch, regardless of where you live). I contacted a CS rep using their online chat feature. They first told me to go to a branch to draw down the balance and close the account. I told them I didn’t live near any branch, and I had already zero’d out the account. They said that since the account was already at $0.00, they could close it, and proceeded to do so.

TLDR: Fidelity Bank: can be closed by online chat, as long as your balance is at $0.00.

Five Star Bank( https://www.doctorofcredit.com/five-star-bank-250-rochester-ny-in-branch-checking-bonus/ ):
I called in to close my account(balance was $0.00). They first said to go to a branch to close, I told them I didn’t live near a branch(again, opening in branch and getting bonus worked despite not living in their service area). They said they could not close over the phone, but as long as my balance remained at $0.00 for 10(business?) days, they would automatically close my account. That worked.

TLDR: Five Star Bank: Either go to a branch, or zero out your account and wait 10 business days.

payyoutuesday
payyoutuesday

I was also able to close my First Tennessee checking account via SM. They replied back asking for my mailing address. After my response, they “forwarded my request to the correct department,” and my account was closed.

I chose to close my Santander checking and savings accounts by phone. Although it appears you can send them email, there are about a dozen disclaimers about how insecure the email is, so I didn’t go that route. The first time I called, the representative told me I had to withdraw the money from the accounts before they could close them. I set up transfers to other accounts. After these had finished, I called back and was able to close the account.

Steven
Steven

Amalgamated Bank

If the balance is zero you can close the account by calling 800-699-3679.

https://www.amalgamatedbank.com/contact-us

“How do I close my accounts(s)?

If there is money in the account, you can close your account by visiting your local branch or by mailing a written request. When submitting a written request, please include the account number(s) that you are requesting to close. Additionally, for your security, the letter must be signed. The money will be sent to the current address on record.

Please send the written request to:

Branch Administration
Amalgamated Bank
275 Seventh Avenue
New York, NY 10001

If the account has a zero balance, you may close your account by calling us at 800-699-3679.”

Don L

Talmer Bank

Must go in branch or send notarized letter with Drivers License

No SM feature in online banking, customer support unwilling to process over the phone

Pablo
Pablo

Is there a reason why this isn’t shown publicly under the knowledge base links at the top or is it kind of out of the way since some banks check this site out and prefer that you not share this information? Thanks for your hard work and everyone’s contributions!

payyoutuesday
payyoutuesday

I messaged Iberiabank and asked them to close my savings account. They replied and asked me to call. I called, and they said I had to go to a branch. Since it is a fair distance to a branch, I decided to close both my checking and savings accounts, and I was able to do so in-branch.

Dave_B
Dave_B

Citi Checking account: balance at $0, closed over online chat.

Pablo
Pablo

Amalgamated Bank Account Closure Datapoint:

Contacted Amalgamated through the secure messaging online and asked them to close my bank account. They first wanted to have my account balance at $0.00. After that, I messaged them again and after about a week or so, I received an email stating that my Convenience Plus Checking account with them was deleted.
I guess that means we can cancel accounts through secure messaging with them as long as we zero the balance… unless there is the possibility that they delete/close accounts with a $0 balance after only a week (which I find very unlikely)

Pablo
Pablo

Just noticed a typo, on this page, it says Amalgated Bank instead of Amalgamated Bank

Also for reference, this is the message I received from them after asking them to close my account.

Dear Customer,

Thank you for contacting us. We apologize for the delay. Your checking account ending in -1942 has been set to auto-close at the end of the business day.

If additional support is required, please contact us directly at 800-662-0860 Monday-Friday 8:00AM-8:00PM EST, and Saturday 9:00AM-1:00PM EST.

Thank you,

Customer Support Services
1-800-662-0860
amalgamatedbank.com
Ab-Online@Amalgamatedbank.com

Dave_B
Dave_B

Popular Community Bank: Closed by secure message

TD Bank: Closed by secure message. They say it takes 2-3 business days to close, during which any charges could prevent it from being closed out.

Mike
Mike

I closed my fifth third Bank account with a letter. Back in March 2016. They sent me cashiers check.

Superchurn
Superchurn

What address did you send it to? I can only find their corporate address on wikipedia

Pablo
Pablo

Just reporting a datapoint for First Niagara here though it won’t matter too much since First Niagara will disappear in a few weeks when Key Bank finally takes over all of the branches. Reporting here just for those who might be interested maybe? lol

Didn’t get a response until this morning. Sent them two messages asking to close account with first message on September 25th and 2nd one on 28th.

Closed account through secure messaging via Online Banking:

——————————————————————————————
From:
Received: 09/30/2016 08:47 AM EDT
Subject: Re: Request to Close Checking Account
Message: Dear Pablo ,
Thank you for contacting First Niagara Bank.

I have closed the account as requested.

I hope that you have found this information helpful and apologize for any inconvenience. Should you need further assistance, please call the Customer Contact Center at 1-800-421-0004. Hours of operation: Monday-Friday 6am to 9pm & Saturday-Sunday 8am to 6pm, Eastern.

Thank you for choosing First Niagara Bank and have a great day!

*To assist First Niagara with keeping our records up to date please provide your current email address. Also please verify that your physical/mailing address and phone numbers are current.*

Sincerely,

—————————————————————-

Pablo
Pablo

Removed some sensitive info from the message as you may tell. Also, I had zeroed out the balance before sending the message.

Tomtoo
Tomtoo

Wife and I both closed KeyBank accounts through SM this past week. We had zero’d the balances before sending the SM’s. I generally find it easier to close an account this way (SM) if you withdraw all the money first.

Adam D
Adam D

Recently closed santander over phone, citbank gold over private chat, first tennessee over secure message, and today chase over phone. DATA POINT: I was told I had to get a notary for Talmer Bank or go into the branch, Im choosing to get a medallion stamp from a different bank and send in the letter.

JD
JD

Closed FirstBank a while ago via chat.

payyoutuesday
payyoutuesday

Some DPs this week:

Tried to close checking account with Pinnacle Bank Texas via chat. Told I had to go in-branch. Tried to call — same result. Closed account in-branch.

Closed checking accounts with Northpointe Bank, LegacyTexas Bank, and U.S. Bank by phone.

Drew all accounts to $0 via transfers or bill pay before attempting to close.

Adam D
Adam D

I closed 5/3rd bank over the phone, a previous CSR said the account must be $0 to close over phone, when I called to close the CSR said I had to go in branch…I mentioned previous CSR said I could close over phone with $0 balance, she then closed it so be persistent.

Bman
Bman

You can’t close Chase Business checking with a SM. They replied with:

Here are the options for closing your account:

1. Visit any of our branches and present a driver’s
license or other valid government-issued photo ID

2. Call us at the number below (only for accounts with a
balance below $5,000, other limitations apply if your
address recently changed)

– Send a signed written request to the address or fax
number below (only for accounts with a balance below
$100,000). Please include this information:

– Your full name as it appears on the account
– Account number
– Social Security Number/Tax ID Number
– Current address
– Current phone numbers (daytime and evening, with area
codes and country codes)
– Your preference for receiving the money that remains in
your account: by U.S. mail or account transfer to another
Chase deposit account (include the account number).
– Signature and the date (for accounts with a balance
greater than $1,000, your signature must be notarized).

Here’s our contact information:

JPMorgan Chase
National Account Closing TX3-7861
PO Box 659516
San Antonio, TX 78265
Fax: 1-225-332-7787

For overnight delivery:
JPMorgan Chase
National Account Closing TX3-7861
20855 Stone Oak Pkwy
San Antonio, TX 78258

Bman
Bman

*Edit

I tried closing by SM with a zero balance.

Moe
Moe

Same exact happened to me.

payyoutuesday
payyoutuesday

My wife withdrew all money from her Pinnacle Bank Texas checking account (it’s fee-free). After a month, the account was closed.

Gadget
Gadget

DP’s: Closed both Associated Bank and BMO Harris – Called phone # on the back of the debit card. (I recommend this method for all banks, unless they want it in writing, in order to ask the question about any closure fees/bonus clawbacks.)

Dan
Dan

Opened a no-fee account with Pinnacle Bank of Nebraska a few months ago for the $100 bonus even though I’m in Colorado. After receiving, cleared it out. Account closed as of this week automatically. Convenient as I was planning to do it myself at some point.

Adam D
Adam D

DATA POINT:

Closed amalgamated bank by live chat, I had zero balance for 3 months, previous datapoint of account being closed after 30 days of inactivity and 0 balance is incorrect. However, I was not hit with a monthly fee like associated bank.

payyoutuesday
payyoutuesday

Same. Closed Amalgamated Bank Convenience Plus checking via chat.

The chat takes a lot of persistence. During busy times, a chat attempt times out after ~3 minutes, and you have to refresh it, which seems like going to the back of the line. It took many, many tries before I was able to connect to a person.

PD
PD

DP: for Citi, I’ve downgraded the account via chat and SM.

PD
PD

New update for Huntington:

Chat and SM no longer exist even as options on the website, and haven’t for at least 6 months it seems.

If you have a balance, you can close in branch. If you bring it down to $0.00 first, you can close over the phone.

milesjjcc

Please add DP for BBVA Compass NBA checking- closed through Secure Message

Daniel
Daniel

Closed TD Bank acct on phone. Rep mentioned that “because you have a zero balance I can go ahead and close the account.”

payyoutuesday
payyoutuesday

Drained LegacyTexas Bank checking account to zero balance. The bank closed the account on their own after about two months of zero balance.

Dusty
Dusty

Tried to close Pinnacle (Nebraska) Diamond Secure account in chat (with a zero balance), was told to contact my local branch.

Albrecht
Albrecht

SunTrust, closed fast after sending a secure message Jan 2017.

da_huu
da_huu

Closed Santander over the phone today

Don L

Level One Bank

Per CSR – require written request by fax or mail otherwise come into the branch.

Written request: simply a letter with date, name, address, account number, signature, with request to close.

Fax: 248-479-1742

Level One Bank
ATTN: Deposit Operations
32991 Hamilton Ct
Farmington Hills, 48334

Heather
Heather

Sent Fifth Third an account closure request via SM yesterday morning and never received a reply. Since my account was set to get hit by a maintenance fee tomorrow, I called in to customer service just now. The representative very quickly closed out the account for me, no questions asked. I zeroed out the balance a little over a week ago in preparation for closing.

Joe
Joe

Closed Santander biz checking by phone today

anthonyjh21
anthonyjh21

Were you on hold forever? I’ve been on hold for 29 minutes at this point. We all know this bank isn’t doing well but just wow, what horrible service. I tried googling an alternative number to their main number but can’t find anything else.

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Gadget
Gadget

DP: (WI) Bank & Trust – Zero balanced, then called number on back of debit card. Account closed over phone.

But previously, when I called the direct line on website to WI Bank & Trust, I got told a letter would need to be mailed or go into a branch in person. So FYI, debit card phone number is the better one to use.

Gadget
Gadget

DP: First National Bank of PA – Account closed via SM. I pre-zeroed the account, and let them know I am out of state.

007
007

New/updated limits for Chase personal accounts:

“Here are options for closing your account:

1. Reply to this message or call us at the number listed
below (only for accounts with a balance below $5,000,
other limitations apply if your address recently changed).

-Tell us the reason you are closing the account.

– Tell us how you want to receive the money that remains
in your account. There are two options either by U.S. mail
or account transfer to another Chase deposit account
(include the account number).

2. Visit any of our branches and present a driver’s
license or other valid government-issued photo ID.

3. Send us a written request to close your account (only
for accounts with a balance below $100,000). Please
include the following information with your request:

– Your full name as it appears on the account(s)
– Your full account number(s)
– Your full Social Security Number
– Your current address
– Your current phone numbers (daytime and evening, with
area codes and country codes)
– How you want to receive the money that remains in your
account: by U.S. mail or account transfer to another Chase
deposit account (include the account number)
– Your signature and the date (For accounts with a balance
greater than $1,000, your signature must be notarized)

Here’s our contact information:

JPMorgan Chase
National Account Closing TX3-7861
P.O. Box 659516
San Antonio, TX 78265
Fax: (225) 332-7787

For overnight delivery:
JPMorgan Chase
National Account Closing TX3-7861
20855 Stone Oak Pkwy
San Antonio, TX 78258

Please make sure all outstanding items have cleared your
account before it closes. If any outstanding items (such
as checks, authorized ATM/debit card transactions, direct
deposits or other automatic/recurring debits or credits)
are presented to this account, the items will either be
returned unpaid, or could possibly re-open the account.

If you need any other assistance, you can send us a secure
message. We appreciate your business and thank you for
choosing Chase.”

Millerwaukee
Millerwaukee

Transferred all my cash out and then closed Associated Bank via online chat. Quick and painless. Took less than 5 minutes. I logged in a few minutes later and it notified me that I had no accounts. I saved the chat just in case.

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Gadget
Gadget

M&T – Zeroed balance, then sent SM.
BMO Harris – based on recommendation of a secure chat CSR days prior to my planned close date, I did NOT zero balance and called in to close account. Cashier’s check for entire balance arrived in about 5 days.

Steven F
Steven F

Recently closed two Keybank checking accounts via SM with no questions asked.

Tomtoo
Tomtoo

Same here last fall, but they keep sending me emails about monthly statements and other things even though I keep “unsubscribing” and there is nothing in the account.

Tan T
Tan T

I just closed a Discover Savings account by secure message after withdrawing all the money. It was processed in less than 12 hours. I received an email telling me that a small amount of interest (may be in this month until the account is closed) will be sent by check. Logged in and saw no open account any more. It’s fast and easy.

Gadget
Gadget

For M&T, additional accounts can be closed via SM. However, if closing all accounts or last remaining account, supposedly must be done in person, or via mail. I had already zeroed my last account. Closing by mail costs $4. I am going to try by phone once I get their firm 180 day mark via SM, because they are being sticklers about charging me $50 if less than 180 days. From my experience, most banks seem to allow some room to the 180 day rule and as long as you are close (within the correct statement period, I assume), you are good to go. Not M&T apparently.

Gadget
Gadget

DP: Suntrust – Closed via SM, scheduled for next processing day. I had already zeroed balance.

CGID
CGID

As we all know, many banks and CUs have an early termination fee if the account is closed before six months.

Can the DoC staff or other knowledgeable folks explain what a safe definition of “six months” is?

Is waiting exactly six months plus 2 business days sufficient to protect myself from any ET fee? Or do I need to additionally wait until the day after my next bank account statement prints?

When the six month period includes February (only 28 days) should I include another two days?

Patti
Patti

I realize you asked this 11 months ago but for future reference and for others wondering the same thing, M&T Bank defines 6 months not by the exact date that you opened the account but that you need to have 6 statements post before attempting to close without fees. I have used this guideline with other banks and haven’t been denied.

Superchurn
Superchurn

DP:
Successfully closed 2 BMO Harris accounts with their own Account Closing form located at https://www.bmoharris.com/pdf/personal/account-closing-form.pdf

Just filled in the relevant info and send it to BMO Harris Bank N.A. 1200 E. Warrenville Rd Naperville, IL 60563

Worked like a charm…cashiers check with the remaining balance received in about 10 days.

John G
John G

I make a quick (< 5 min) call to Keybank to close my account. Just told them I was consolidating accounts when asked.

Superchurn
Superchurn

those bastards forced my account to remain open until the next monthly fee posted. they refused to close it before. i’m tempted to CFPB their ass but $18 is …$18. probably not worth my time

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