Yes, you can close most US Bank accounts online, but the process depends on your account type and balance

US Bank lets you close checking and savings accounts through their website or mobile app without visiting a branch. The steps are straightforward: log in, navigate to account settings, and request closure. However, some account types—like investment or business accounts—may require a phone call or in-person visit. You'll also need to handle any outstanding checks, automatic payments, or direct deposits before closing.

The entire process typically takes a few minutes online, but the actual closure may take 5 to 10 business days to complete. During that time, your account remains open and accessible. US Bank will not charge you a fee to close an account, and you can close it at any time regardless of your account history.

Key Takeaways

  • Most checking and savings accounts can be closed through the US Bank website or mobile app by logging in and selecting the closure option in account settings.
  • You must have a zero or positive balance before closing; if you owe money, you'll need to pay it first or the closure request will be denied.
  • Stop or redirect automatic payments and direct deposits before you close, or they may fail and trigger overdraft fees on a closed account.
  • The account remains active for 5 to 10 business days after you request closure, giving you time to verify all transactions have cleared.
  • Business, investment, and some specialty accounts cannot be closed online and require a phone call to US Bank customer service at 1-800-872-2657.

What you need to do before closing your account

Before you submit a closure request, make sure your account balance is zero or positive. If you have a negative balance—meaning you owe US Bank money—the closure will be rejected. Pay the balance in full using a transfer from another account, a debit card, or cash deposit.

Next, stop or redirect any automatic payments that are set to come out of this account. This includes utility bills, insurance premiums, loan payments, subscriptions, or any other recurring charges. Log into each service's website and update the payment method, or contact the company directly. If an automatic payment attempts to process after your account closes, it will fail and may trigger an overdraft fee.

Do the same for direct deposits. If your paycheck, government benefits, or other regular deposits go into this account, change the deposit destination to another account at least one pay cycle before closing. Contact your employer's payroll department or the benefit administrator to update your banking information.

Review your recent transactions for any outstanding checks you've written. If you've mailed checks that haven't cleared yet, wait until they do before closing the account. You can check your transaction history in the US Bank app or website to see pending items.

Steps to close your account online

Log into your US Bank account through the website (usbank.com) or the mobile app. Make sure you're using your correct username and password, and complete any two-factor authentication if prompted.

Once logged in, look for account settings or account management options. This is usually found in a menu labeled "Settings," "Profile," or "Account Services." The exact location varies slightly between the website and app, but both have a closure option in the account management section.

Select the account you want to close from your list of accounts. US Bank will show you a summary of the account, including the current balance and account type. Review this information to make sure you're closing the correct account.

Click or tap the option to close the account. US Bank will ask you to confirm your request and may ask why you're closing the account—this is optional feedback and won't affect the closure. Submit the request. You'll receive a confirmation message on screen and via email to the address on file.

After submission, your account enters a closure period that lasts 5 to 10 business days. During this time, the account remains open and you can still access it if needed. Any pending transactions will continue to process. Do not attempt to close the account again during this period.

What happens after you request closure

Once your closure request is submitted, US Bank will send you a confirmation email with a reference number. Keep this email for your records. The account will remain active and accessible during the closure window, so you can log in to verify that all your transactions have cleared.

Any checks you've written will continue to clear against the account during the closure period. If a check arrives after the account is fully closed, it will be returned unpaid. This is why it's important to wait for outstanding checks to clear before requesting closure.

Automatic payments and direct deposits that you've already redirected will go to your new account. If you missed redirecting any, they will fail and you may see a returned payment notice from the service provider. Contact them immediately to update your banking information.

After 5 to 10 business days, the account will be fully closed. You will no longer be able to access it, and US Bank will not send statements for it. If you need records of transactions from the closed account, download or print your statement history before the closure is complete.

Accounts that cannot be closed online

US Bank business accounts, investment accounts, and some specialty products like US Bank Altitude accounts or accounts with active credit lines cannot be closed through the website or app. If you have one of these account types, you'll need to call US Bank customer service at 1-800-872-2657 to request closure.

When you call, have your account number and Social Security number ready. A representative will walk you through the closure process, which may include additional steps like closing linked credit products or transferring investments. The phone closure typically takes 10 to 15 minutes.

If you have a joint account, both account holders may need to authorize the closure. Check your account documents or call customer service to confirm whether both signatures or authorizations are required.

What to do if your closure request fails

If your closure request is rejected, the most common reason is a non-zero balance. Log back in and check your current balance. If it shows a negative number, you owe money and must pay it before closing. If it shows a positive balance, wait 24 hours and try again—sometimes a pending transaction is temporarily holding the balance.

Another reason for rejection is an active automatic payment or direct deposit that's scheduled to process soon. Cancel or redirect these before trying again. If you're unsure what's preventing closure, call US Bank at 1-800-872-2657 and a representative can tell you exactly what needs to be resolved.

If you've already submitted a closure request and it's been more than 10 business days without confirmation that the account is closed, contact customer service. Occasionally a request gets stuck in the system and needs manual review.

After your account is closed

Once the account is fully closed, you will not receive statements or notices from US Bank about it. If you need to reference old transactions, make sure you've saved or printed your statement history before the closure is complete. You can request archived statements by calling customer service, though there may be a fee for statements older than a certain period.

If you have a US Bank debit card linked to this account, it will stop working once the account closes. Destroy the card by cutting it in half or shredding it. Do not throw it away intact, as the card number could be recovered.

If you had a US Bank credit card or line of credit attached to this account, closing the deposit account does not close the credit product. You'll need to close those separately if you want to. Contact customer service or log into your credit account to request closure.

Keep your closure confirmation email for at least one year. If a check or payment arrives after closure and is returned, you may need to prove the account was closed on a specific date.

Frequently Asked Questions

Can I reopen a US Bank account after I close it?

Yes, you can open a new account with US Bank at any time after closure. However, if you closed the account due to a negative balance or fraud, US Bank may review your history before approving a new account. There is no waiting period, and you can open a new account the same day you close the old one.

What if I have a pending deposit that hasn't cleared yet?

Wait for the deposit to clear before closing the account. If the deposit arrives after the account is closed, it will be returned to the sender. Check your transaction history to see if the deposit is still pending, and contact the sender if you're unsure of the timing.

Do I need to close my US Bank credit card if I'm closing my checking account?

No. Your credit card and checking account are separate products. Closing your checking account does not affect your credit card. You can keep the card open or close it separately through your credit account settings or by calling customer service.

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 deposit accounts. However, if you had overdraft fees or other issues that led to collections, those may appear on your credit report separately.

What if I still owe US Bank money after I close the account?

You cannot close an account with a negative balance. Pay the amount owed first, then request closure. If you've already closed the account and owe money, US Bank will contact you to collect the debt. Ignoring this may result in the debt being sent to a collection agency.