Hey John!
It sounds like you're almost finished. Here’s what you’ll need to do to complete the process:
1. Transfer or withdraw the remaining balance – Even if it's just a few cents, the account must have a $0.00 balance before it can be closed. You can transfer it to another account or request a check.
2. Contact our support team to initiate closure – Once the balance is cleared, our system may still show the account as active for a short time. If you’re unable to close it online, a quick call or secure message to us will let our team process the closure manually.
Impact on your credit – Checking accounts aren’t reported to credit bureaus, so closing the account won’t affect your credit score. However, if the account was linked to overdraft protection for a line of credit or loan, it’s a good idea to double-check that relationship before proceeding.
Let us know once you’ve cleared the balance, and we’ll be happy to finalize the closure for you. If you have any concerns about recent transactions or linked services, we can help with that too.
