Call US Bank or visit a branch to close your account
The fastest way to close a US Bank checking account is to call their customer service line at 1-800-872-2657 or walk into a branch in person. You do not need to mail anything or fill out a form online — US Bank will close the account over the phone or on the spot at a branch. Have your account number ready when you call.
If you go to a branch, bring a photo ID. The banker will confirm your identity, check for any pending transactions, and close the account immediately. If you call, the representative will ask you to verify your Social Security number and other account details before processing the closure.
Either method takes about 10 to 15 minutes. US Bank will send you a confirmation letter in the mail within a few business days.
Key Takeaways
- Call 1-800-872-2657 or visit a branch to close your account; you cannot close it online through US Bank's website.
- Empty your account and cancel any automatic payments or direct deposits linked to the checking account before you close it.
- US Bank will not charge you a fee to close the account, but you may owe a balance if the account is overdrawn.
- Bring a photo ID to a branch, or have your account number and Social Security number ready if you call.
- The account closes immediately by phone or in person, and you will receive a written confirmation in the mail.
Empty the account and stop automatic transactions first
Before you call or visit, withdraw all remaining money from the checking account or transfer it to another bank. US Bank will not close an account with a balance in it — they will hold the funds and send them to you by check or transfer them to another account you specify.
Cancel any automatic payments or recurring bill payments that are set to draw from this account. Log into your US Bank online account and review the "Payments" or "Transfers" section to see what is scheduled. Contact each company or service (utilities, subscriptions, insurance) and update your payment method to a different account or card before closing.
Stop direct deposits as well. If your paycheck or benefits deposit into this account, contact your employer or the benefits administrator and provide them with your new account number at another bank. Direct deposits can take one or two pay cycles to reroute, so do this at least a week before you plan to close the account.
What happens to checks and debit cards
Any debit cards linked to the account will stop working as soon as US Bank closes the account. You do not need to cut them up or return them — they simply become inactive. If you want to destroy them, you can, but it is not required.
If you have checks printed for this account, they will no longer be valid after the account closes. Do not use them. If you have already written checks that have not cleared, contact the people or companies you wrote them to and provide a new payment method. Checks that arrive at US Bank after the account is closed will be returned to the sender marked "account closed."
Overdrawn accounts and outstanding fees
If your account is overdrawn — meaning you owe US Bank money — you must pay the negative balance before or at the time of closure. You can do this by transferring money from another account, depositing cash at a branch, or paying over the phone with a debit card or bank account.
US Bank may also charge overdraft fees or monthly maintenance fees if they have not been paid. These will be deducted from any remaining balance, or you will be asked to pay them separately. Ask the representative closing your account to confirm the exact amount you owe.
Timing and what to expect after closure
The account closes on the same day you call or visit. US Bank will not process any new transactions after that point. Checks or transfers that arrive after closure will be rejected.
You will receive a final account statement in the mail showing all activity up to the closure date. This usually arrives within 7 to 10 business days. Keep this statement for your records, especially if you need proof of closure for tax purposes or to show another bank.
If there was money left in the account after fees and overdrafts, US Bank will send it to you by check or transfer it to another account you provide. This can take 5 to 10 business days depending on the method.
Closing a joint account
If the checking account is joint — meaning two or more people own it — all account holders must agree to close it. US Bank will not close a joint account if only one owner requests closure. Both owners should call together or visit the branch together, or one owner can call with written permission from the other.
If you and the other owner disagree about closing the account, you cannot unilaterally close it. You would need to contact US Bank to discuss your options, which may include removing yourself as an owner instead of closing the account entirely.
If you need to reopen the account later
US Bank can reopen a closed checking account within a short window — usually 30 days — if you change your mind. Call customer service or visit a branch and ask to reopen it. After 30 days, the account is permanently closed and cannot be reopened; you would need to open a new account instead.
If you reopen within 30 days, your account number and routing number will be the same. Any pending transactions or checks may still process, so be prepared for that.
Frequently Asked Questions
Can I close my US Bank checking account online?
No. US Bank does not allow account closure through their website or mobile app. You must call 1-800-872-2657 or visit a branch in person to close the account.
Will US Bank charge me a fee to close my account?
No. US Bank does not charge a fee to close a checking account. However, if your account is overdrawn or has unpaid fees, you must pay those amounts before closure.
What if I have a pending check that has not cleared yet?
Contact the person or company you wrote the check to and let them know the account is closing. Provide an alternative payment method. If the check arrives at US Bank after closure, it will be returned marked "account closed," and the sender will need to contact you for a new check or payment.
How long does it take to close a US Bank checking account?
The account closes immediately when you call or visit a branch. The closure takes 10 to 15 minutes. You will receive a written confirmation in the mail within a few business days.
What should I do with my debit card after closing the account?
You do not need to do anything. The debit card will stop working automatically once the account closes. You can destroy it if you want, but it is not required.