You can close a US Bank account by phone, in person, or online, depending on the account type

The fastest way to close most US Bank accounts is to call their customer service line at 1-800-872-2657. You can also walk into any US Bank branch with your ID and ask to close the account in person. Some account types allow you to request closure through online banking, though US Bank typically requires you to confirm the request by phone or in branch.

Before you close, make sure any pending transactions have cleared, your balance is zero or you've arranged to withdraw remaining funds, and you know where your statements are going. US Bank will not close an account with an outstanding balance, and they may charge a fee if you close within a certain timeframe of opening (this varies by account type).

Key Takeaways

  • Call 1-800-872-2657 or visit a branch in person to close your account; online closure is not available for most account types.
  • Your account balance must be zero before closure, so withdraw or transfer any remaining money first.
  • Check whether your account has an early closure fee by reviewing your account agreement or asking a representative.
  • Request written confirmation of closure and keep it for your records in case questions arise later.

What to do before you call or visit

Gather your account number and a government-issued ID before you contact US Bank. Have a list of any automatic payments or transfers linked to the account — these will stop working once the account closes, so you need to move them to another account first or cancel them.

Check your account balance online or by calling customer service. If you have money in the account, you can transfer it to another bank account during the closure process, or withdraw it in cash at a branch. US Bank will not process closure while money remains in the account.

Review your most recent account statement or your account agreement to see whether there is an early closure fee. Some checking and savings accounts charge a fee if you close within 90 days to six months of opening, depending on the product. Ask the representative about this before you proceed.

Closing by phone

Call 1-800-872-2657 and tell the representative you want to close your account. Have your account number and ID ready. The representative will ask you to confirm your identity, review any pending transactions, and confirm your current balance.

If you have money in the account, the representative can arrange a transfer to another bank account or issue a check. If you choose a check, ask how long it will take to arrive and where it will be mailed. If you choose a transfer, you will need to provide the routing number and account number of the receiving bank.

After the representative processes the closure, ask them to email or mail you written confirmation. This confirmation should include the date the account was closed and confirmation that the balance is zero. Keep this document for your records.

Closing in person at a branch

Bring your ID and your account number to any US Bank branch. Tell a representative you want to close the account. They will pull up your account, confirm your identity, and review the balance and any pending transactions with you.

If you have money in the account, you can withdraw it in cash on the spot, transfer it to another account, or request a check. Withdrawing cash is the fastest option and means the account can close when ready. If you request a check or transfer, ask when the transaction will complete.

Request a written closure confirmation before you leave the branch. If the representative cannot print one, ask them to write down the closure date and your account number, and have them sign and date it. Take a photo of this for your records.

What happens after you close

US Bank will stop processing any transactions on the account. If you had automatic bill payments or transfers set up, those will fail. Contact any companies that were pulling money from this account (utilities, insurance, subscriptions) and give them your new account information or payment method.

You will stop receiving statements for this account. If you need copies of old statements, you can request them from US Bank for a fee, or read them from online banking before closure if you have not yet closed access.

If you receive a check from US Bank as part of the closure (either a refund of remaining balance or a cashier's check), deposit it within the timeframe printed on the check. Checks typically expire after six months.

If you cannot close the account

US Bank will not close an account if the balance is not zero. If you cannot access the account or do not know the balance, call 1-800-872-2657 and ask a representative to help you. They can tell you the current balance and help you arrange a transfer or withdrawal.

If there is an outstanding fee or charge on the account, you may need to pay it before closure. Ask the representative whether any fees are preventing closure and what you need to do to resolve them.

If you have a joint account, both account holders may need to be present or consent to closure. Call ahead to ask what documentation you need to bring if you are closing a joint account.

Frequently Asked Questions

Do I lose my debit card when ready when I close the account?

Your debit card will stop working once the account is closed, usually within 24 hours. If you have pending transactions that have not yet cleared, they may still process after closure. To avoid confusion, destroy your debit card after closure or wait until you receive confirmation that the account is closed before discarding it.

Can I reopen a closed US Bank account?

You can open a new account with US Bank at any time, but you cannot reopen the same closed account. If you closed the account in error, contact US Bank when ready to see whether they can reverse the closure before it fully processes. Otherwise, you will need to open a new account.

What if I have a pending check or transfer that has not cleared?

Tell the representative about any pending transactions before closure. They can help you decide whether to wait for the transaction to clear before closing, or they can note the pending item and close the account anyway. If a check clears after closure, US Bank will return it unpaid.

Will closing my 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 on bank accounts. However, if you have a US Bank credit card, closing that account could affect your score, so ask the representative whether you are closing a deposit account or a credit product.

How long does it take for the account to fully close?

Most accounts close within one to three business days after you request closure. If you are transferring money to another bank, the transfer may take an additional one to three business days. If you requested a check, it will be mailed and may take five to ten business days to arrive.