Call 360 Bank directly to close your account

The fastest way to close a 360 checking account is to call their customer service line at 1-800-360-2623. Have your account number ready. A representative will walk you through the closure process, answer questions about what happens to any remaining balance, and confirm the account is closed. Most closures happen the same day you call.

If you prefer not to call, you can also close the account by visiting a 360 Bank branch in person. 360 Bank operates physical locations in several states, though the bank is primarily online. Check their website to find the nearest branch to you.

Online closure through their website or mobile app is not currently an option for 360 checking accounts. The bank requires either a phone call or an in-person visit to complete the closure.

Key Takeaways

  • Call 360 Bank at 1-800-360-2623 with your account number to close your checking account by phone.
  • You can also close the account in person at a 360 Bank branch if one is near you.
  • Any remaining balance in your account will be mailed to you by check or transferred to another account you specify.
  • Stop using your debit card immediately after closure is confirmed, as it will no longer work.
  • Set up direct deposit redirection with your employer or other payment sources before closing to avoid missed payments.

What to prepare before you call

Gather your account number before calling customer service. You can find it on your debit card, a recent statement, or by logging into your online banking portal. Having this ready speeds up the call and reduces the chance of confusion.

Make a list of any automatic payments or recurring charges tied to your 360 account. These include subscriptions, gym memberships, insurance premiums, loan payments, or any bill-pay arrangements. You will need to update these with a new payment method before closing, or they will fail.

Check your account balance and confirm you have enough time to receive any remaining funds. 360 Bank will mail a check for any balance left in the account, which typically takes 5 to 10 business days to arrive. If you need the money sooner, ask the representative if you can transfer it to another bank account during the call.

Redirecting direct deposits and automatic payments

Contact your employer's payroll or HR department to update your direct deposit information. Provide them with your new bank's routing number and account number. This change usually takes one to two pay cycles to take effect, so make the request at least a week before you plan to close your 360 account.

Log into each service or company that pulls money from your 360 account and update the payment method. This includes utilities, insurance companies, loan servicers, subscription services, and any other recurring charges. Do not rely on the company to stop charging you automatically—update the information yourself to avoid missed or failed payments.

If you have set up bill pay through 360 Bank to pay other accounts, cancel those scheduled payments before closing. Any payments still pending when the account closes may not go through. Check the bill pay section of your online banking to see all scheduled transactions.

What happens to your remaining balance

If your account has money in it when you close, 360 Bank will send you a check for the full balance. The check is mailed to the address on file for your account. Delivery typically takes 5 to 10 business days from the date of closure.

You can request that 360 Bank transfer your remaining balance to another bank account instead of mailing a check. This is faster and safer than waiting for the mail. Ask the representative about this option when you call to close the account, and have your new bank's routing number and your account number ready.

If your account is overdrawn or has a negative balance, you will owe 360 Bank that amount. The bank may deduct it from another account you have with them, or they may contact you about payment. Settle any overdraft before closing to avoid collection issues.

Deactivating your debit card

Your 360 debit card will stop working once the account is closed, but this does not happen instantly. Stop using the card immediately after you confirm the closure with the representative. Attempting to use it after closure may result in declined transactions or overdraft fees.

You do not need to physically destroy the card, but you can if you prefer. Shredding or cutting it up prevents accidental use. Some people keep it for their records until they receive confirmation that the account is fully closed.

If you have a PIN or online banking password for your 360 account, you will lose access to those once the account closes. You will not be able to log in or view transaction history after the closure is complete.

Confirming the account is closed

Ask the representative for a confirmation number when you close the account. Write this down or save it in an email to yourself. This number is proof that you requested closure and can help if there are questions later.

Wait 2 to 3 business days, then attempt to log into your 360 online banking account. If the login no longer works, the account has been closed. If you can still log in, contact customer service again to confirm the status.

Keep any confirmation emails or letters from 360 Bank for your records. These documents show when the account was closed and can be useful if a charge appears on the account after closure or if there are questions about your final balance.

If you need to reopen the account

360 Bank may allow you to reopen a closed account within a certain timeframe, though this varies. If you close the account and then change your mind, call customer service as soon as possible. The sooner you contact them, the better your chances of reopening without having to go through the full new account process.

If too much time has passed, you will need to open a new account. This requires the same information as a new customer: personal identification, Social Security number, and an initial deposit. The new account will have a different account number and routing number.

Frequently Asked Questions

Can I close my 360 account online?

No, 360 Bank does not offer online account closure. You must call 1-800-360-2623 or visit a branch in person to close your checking account.

How long does it take to close a 360 checking account?

The closure itself happens the same day you call or visit. However, receiving your remaining balance by check takes 5 to 10 business days. If you request a transfer to another bank account instead, it may be faster.

Will I be charged a fee to close my account?

360 Bank does not charge a fee to close a checking account. However, if your account is overdrawn, you will owe the negative balance before or after closure.

What if I have pending transactions when I close my account?

Pending transactions that have not yet cleared may still post to your account after closure. Contact 360 Bank customer service if this happens, and they can help resolve the issue. This is another reason to update all automatic payments before closing.

Can I close my account if it has a negative balance?

You can request closure, but 360 Bank will not process it until the negative balance is resolved. You will need to deposit money to bring the account to zero or positive before the closure is final.