How to close your US Bank account
You can close a US Bank account by calling their customer service line, visiting a branch in person, or using their online banking portal. The fastest method is usually a phone call to 1-800-872-2657, where you can speak to a representative who will walk you through the process and answer questions about your specific account. If you prefer to close the account in person, bring a valid ID to any US Bank branch and ask to speak with a banker about account closure.
Before you close, make sure any pending transactions have cleared, set up direct deposit or payment routing elsewhere if needed, and withdraw or transfer any remaining balance. US Bank does not charge a fee to close an account, but they will not refund fees you have already paid. If you have a negative balance or outstanding checks, you will need to settle that before closure is complete.
Key Takeaways
- Call US Bank at 1-800-872-2657 to close your account over the phone, which typically takes 10 to 15 minutes.
- Visit any US Bank branch in person with a valid ID if you prefer to close the account face-to-face.
- Make sure all pending transactions have cleared and you have transferred or withdrawn your remaining balance before initiating closure.
- US Bank will not charge you to close an account, but you remain responsible for any outstanding fees or negative balances.
- After closure, keep your account number and final statement for your records in case you need to reference the account later.
Prepare your account before closing
Stop using the account at least a few days before you plan to close it. This gives any pending transactions time to process so nothing gets rejected or left hanging. Check your account online or call customer service to confirm the exact balance and make sure there are no outstanding checks or automatic payments still scheduled.
If you receive direct deposit, update your employer or benefits provider with your new account information before you close. If you have automatic bill payments set up through this account, log into each biller's website and change the payment method to your new account. Do not rely on the old account to reject the payment — it may cause late fees or service interruptions.
Withdraw or transfer any remaining balance to another account. You can do this at an ATM, through a transfer to another bank, or by requesting a cashier's check at a branch. Leave the account with a zero balance so there is nothing left to manage after closure.
Close your account by phone
Call US Bank customer service at 1-800-872-2657. You will need to have your account number ready, which you can find on a check, your debit card, or in your online banking login. Have a valid ID nearby — the representative may ask you to verify personal information like your Social Security number or date of birth to confirm you are the account holder.
Tell the representative you want to close the account. They will ask why you are closing (this is optional information — you do not have to explain), confirm your current balance one more time, and explain any remaining steps. If there are pending transactions or a negative balance, they will tell you how to resolve it before the account can be closed.
The representative will process the closure and give you a confirmation number. Write this down and ask them to send a written confirmation to your mailing address on file. This typically arrives within 5 to 10 business days and serves as proof the account is closed.
Close your account in person at a branch
Bring a valid government-issued ID (driver's license, passport, or state ID) to any US Bank branch. Ask to speak with a banker or customer service representative and tell them you want to close your account. They will pull up your account using your ID and account number.
The banker will review your balance, confirm there are no pending transactions, and explain the closure process. If you have a balance remaining, they can give you cash, a cashier's check, or process a transfer to another account right there. This method is useful if you want to handle everything in one visit and receive a receipt when ready.
Ask for a written confirmation of closure before you leave the branch. Keep this receipt with your records. If you do not receive a written confirmation at the branch, the mailed confirmation will arrive within 5 to 10 business days.
What happens after you close your account
Once the account is closed, you will no longer be able to use the debit card, write checks, or access the account online. Any attempt to use the card or process a transaction will be declined. If someone tries to deposit a check into the closed account, it will be returned to the sender.
US Bank will send you a final statement showing all transactions up to the closure date. Keep this statement for your records for at least one year. If you need to reference the account later — for tax purposes, to dispute a transaction, or to verify payment history — you can contact US Bank with your account number and they can provide historical information.
If you had a credit card through US Bank rather than just a checking or savings account, closing the bank account does not close the credit card. You will need to close the credit card separately by calling the credit card customer service line or logging into your credit card account online.
Handle outstanding issues before closure
If your account has a negative balance, you must pay the amount owed before US Bank will close it. You can do this by transferring funds from another account, depositing cash at a branch, or mailing a check to the address US Bank provides. The representative will tell you the exact amount and the important date for payment.
If you have outstanding checks that have not yet cleared, wait until they do before closing the account. If you close the account while checks are still pending, they may bounce when they arrive, which can result in fees from both US Bank and the recipient's bank. Ask the representative how long to wait based on the checks you have written.
If you have a US Bank credit card linked to this checking account for overdraft protection, that link will be removed when you close the account. Make sure you understand how this affects your credit card before you proceed.
Frequently Asked Questions
Can I reopen a US Bank account after I close it?
Yes, you can open a new account with US Bank after closing one. However, if you closed the account due to a negative balance or fraud, US Bank may review your history before allowing you to open a new account. Contact a branch or call customer service to ask about reopening an account if you are unsure.
What if I have a pending direct deposit scheduled for after I close the account?
The deposit will be rejected and returned to the sender. Update your direct deposit information with your employer or benefits provider at least one week before you close the account. If a deposit is rejected, contact the sender to resubmit it to your new account.
Do I need to close my account in the same state where I opened it?
No. You can close your account by phone from anywhere, or visit any US Bank branch regardless of where you opened the account. Your account is part of the same system nationwide, so closure works the same way no matter which branch you visit.
Will closing my US Bank account hurt my credit score?
Closing a checking or savings account does not affect your credit score. Credit scores are based on credit history, not bank account history. However, if you close a credit card account, that may have a small impact on your credit score depending on your overall credit profile.
How long does it take for a US Bank account to fully close?
The account is typically closed within one business day after you request closure. However, it can take 5 to 10 business days for the final statement to arrive and for all pending transactions to fully clear. During this time, do not attempt to use the account or debit card.