Call DCU directly or visit a branch to close your account

To close a DCU checking account, contact DCU member services by phone at 1-800-328-8797, visit a branch in person, or log into your online account and look for account closure options. DCU will ask you to confirm your identity, verify that you have no outstanding checks or automatic payments tied to the account, and provide instructions for what to do with any remaining balance. The account typically closes within one to five business days after you initiate the request.

If you have a direct deposit set up, change it to another account before closing. If you have scheduled bill payments or automatic transfers, cancel those first — DCU will not close an account with active transactions pending. Any remaining funds will be transferred to another account you designate, mailed as a check, or held temporarily depending on your instructions.

Key Takeaways

  • Call DCU at 1-800-328-8797 or visit a branch to start the closure process; you can also check your online account for a closure option.
  • Cancel all automatic payments, bill pay arrangements, and direct deposits before closing to avoid delays or rejected transactions.
  • Tell DCU where to send any remaining balance — to another account, as a check, or held temporarily.
  • The account closes within one to five business days, but verify closure in writing or online to confirm it is complete.
  • If you have a linked savings account or credit card, closing your checking account does not automatically close those products.

Steps to take before you call DCU

Before you contact DCU, gather information about where your money is going. Write down the account number of the bank or credit union where you want your remaining balance sent. If you do not have another account yet, open one first — this prevents your funds from being held or mailed, which can take longer.

Review your recent statements to find all automatic payments and recurring transfers. Log into your DCU online account and check the bill pay section, scheduled transfers, and any linked external accounts. Call any companies that pull money from your DCU account directly — utilities, insurance, subscriptions, loan payments — and update their payment information to your new account before you close. This step prevents payments from bouncing and protects your credit.

If you receive direct deposit, contact your employer's payroll department or the organization sending the deposit and provide your new account details. Direct deposit changes usually take one to two pay cycles to take effect, so make this change at least a week before you plan to close the account.

What happens to your remaining balance

DCU will not close your account if money is still in it. You must tell them where to send the balance. The most common options are a transfer to another DCU account you own, a transfer to an external bank account, or a check mailed to your address on file.

If you choose a transfer to another account at DCU, the money moves within one business day. If you choose a transfer to an external account, provide the routing number and account number — this typically takes three to five business days. If you request a check, DCU mails it to your address on file; allow five to ten business days for delivery depending on your location.

Closing your account by phone

Call DCU member services at 1-800-328-8797 during business hours. Have your account number and a form of ID ready. The representative will confirm your identity, ask why you are closing the account, and verify that you have no pending transactions.

Tell the representative where you want your remaining balance sent and provide the necessary details — either another DCU account number, an external bank's routing and account number, or confirm your mailing address for a check. Ask the representative to provide a confirmation number and note the expected closure date. Request that they email or mail you written confirmation of the closure.

Closing your account in person at a branch

Visit any DCU branch with a government-issued ID and your account number. A branch representative can close the account on the spot and process your remaining balance immediately. This method is fastest if you want to transfer funds to another DCU account or receive a check in person.

Bring a list of any automatic payments or transfers you have set up so the representative can verify they are all canceled. If you are unsure whether everything is canceled, ask the representative to review your account activity with you before closing. This prevents surprises after the account is closed.

Confirming your account is closed

After you initiate closure, wait three to five business days, then log into your DCU online account. If the account no longer appears in your account list, it is closed. If it still shows up, call member services again to confirm the status — sometimes the online system takes longer to update than the backend system.

Keep any written confirmation DCU sends you for your records. If you requested a check, track it using the confirmation number provided. If you transferred funds to an external account, verify the deposit arrived in that account within the timeframe the representative gave you.

What does not close when you close your checking account

Closing your DCU checking account does not automatically close a linked savings account, money market account, or credit card. If you want to close those products too, you must request closure separately. Contact DCU and specify which accounts you want closed.

If you have a DCU loan, closing your checking account does not affect the loan. You can continue making payments from a different account. If your loan payment was set to automatic withdrawal from the checking account you are closing, update the payment method before closure to avoid a missed payment.

Frequently Asked Questions

Can I close my DCU checking account online?

DCU does not offer full account closure through their website, but you can check your online account settings to see if a closure option appears. Most members need to call 1-800-328-8797 or visit a branch. Calling is faster if you have questions about pending transactions or need help canceling automatic payments.

What if I have pending checks or automatic payments?

DCU will not close the account until all pending transactions clear. Cancel automatic payments and bill pay arrangements before you request closure. If you have written checks that have not cleared, wait for them to post or contact the recipients to cancel them. This usually takes a few days.

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

The account typically closes within one to five business days after you request it. If you have pending transactions, it may take longer. Transfers to external accounts take three to five business days, and checks take five to ten business days to arrive by mail.

What if I forgot to cancel a bill payment before closing?

Contact the company that receives the payment immediately and provide your new account information. If the payment attempts to withdraw from your closed account, it will be rejected. The company may charge a fee or report a missed payment, so update them as soon as possible. You can also call DCU to see if they can redirect the payment if the account is still in the closure process.

Can I reopen a closed DCU checking account?

DCU may allow you to reopen an account within a certain timeframe after closure, but this varies. Call member services at 1-800-328-8797 to ask about reopening. If too much time has passed, you will need to open a new account, which typically takes a few minutes online or at a branch.