Call TD Customer Service or visit a branch to close your account

TD Bank will close your checking account over the phone, online, or in person at a branch. The fastest route is a phone call to TD Customer Service at 1-800-225-5832. Have your account number ready. You can also walk into any TD branch with your ID and ask to close the account on the spot, or use TD's online banking portal if you have access to your account.

Before you close, make sure any pending checks or automatic payments have cleared. TD will not close an account with outstanding transactions, and you do not want a check to bounce after the account is gone. If you have scheduled bill payments set up, cancel those first through your online banking or by calling customer service.

TD does not charge a fee to close a checking account. If you have a negative balance—money you owe the bank—you will need to pay that before closing. If your account is in good standing with a zero or positive balance, the closure itself costs nothing.

Key Takeaways

  • Call TD Customer Service at 1-800-225-5832 with your account number to close over the phone, or visit a branch in person with your ID.
  • Cancel any automatic payments or scheduled bill payments before closing to prevent transactions from failing after the account shuts down.
  • Wait for pending checks and deposits to clear; TD will not close an account with outstanding transactions.
  • Pay any negative balance before closing—TD does not charge a closure fee if your account balance is zero or positive.
  • Closing takes effect immediately by phone or in branch, though it may take one to two business days for the account to stop accepting transactions.

What happens to your debit card and checks

Your TD debit card stops working immediately after you close the account. Do not rely on it for purchases or ATM withdrawals after the closure is complete. If you have blank checks from that account, destroy them or mark them void so they cannot be used by mistake.

If you have already written checks that have not cleared, those will still process against the closed account for a short window—usually five to seven business days. After that, any check presented will bounce. This is why you need to confirm all pending checks have cleared before you call to close.

Moving money out before closing

Transfer any remaining balance to another bank account before you close. You can do this through TD's online banking by setting up a transfer to an external account, or you can withdraw the money in cash at a TD branch or ATM. If you are moving to a different bank, set up the transfer at least one business day before you plan to close the account.

If you have direct deposits set up—paychecks, government payments, or other recurring deposits—change the account information with your employer or the paying organization before closing. Money sent to a closed account will be returned to the sender, and you will have to contact them to redirect it. This can delay payments by several days.

Closing online through TD's website

TD's online banking portal does not have a self-service close option. You cannot close the account by logging in and clicking a button. You must either call customer service or visit a branch. This is standard for most banks—they require a voice confirmation or in-person verification to prevent fraud.

If you prefer not to call or visit in person, you can send a written request to TD's customer service address, but this takes longer. Call 1-800-225-5832 to ask for the mailing address for account closure requests in your region. Include your account number, full name, and signature on the letter. Allow two to three weeks for processing.

What to do if you have a TD credit card or other products

Closing your checking account does not close any credit cards, savings accounts, or other TD products you hold. If you want to close those too, you will need to contact TD separately for each one. Credit cards have their own closure process and may require you to pay off the balance first.

If your checking account is linked to a savings account for overdraft protection, closing the checking account will remove that link. Your savings account will remain open unless you close it separately.

After your account is closed

TD will send you a final statement showing the account closure date and your final balance. Keep this for your records. If you closed with a zero balance, there is nothing else you need to do. If you had a positive balance and did not withdraw or transfer it, contact TD to find out how to retrieve it—the bank will hold unclaimed funds for a set period before turning them over to your state's unclaimed property program.

If you later realize you need records from the closed account—old statements, proof of payment, or transaction history—you can request those from TD. Call customer service and ask for archived statements. TD typically keeps records for seven years after an account closes.

Frequently Asked Questions

Can I reopen a TD checking account after I close it?

Yes. You can open a new TD checking account at any time by visiting a branch or calling customer service. There is no waiting period. However, if your account was closed due to fraud or repeated overdrafts, TD may decline to open a new account for you. If that happens, ask what the reason is and whether you can address it.

What if I still have checks outstanding when I want to close?

Wait until those checks clear before closing. You can call TD and ask them to hold your account open for a specific number of days while you wait. Once the checks clear, call back to close. If you close with outstanding checks, they will bounce and you may face fees from the payee.

Will closing my TD account hurt my credit score?

No. Closing a checking account does not affect your credit score. Credit scores are based on credit history—loans, credit cards, and payment history. Bank accounts do not appear on your credit report. Closing a TD checking account has no impact on your credit.

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

The account closes immediately when you call or visit in person. However, it may take one to two business days for the account to stop accepting transactions completely. Any checks or transfers in process during that window may still go through. After two business days, the account will reject all new transactions.

What if I have a negative balance on my TD checking account?

You must pay the negative balance before TD will close the account. You can pay it by transferring money from another account, depositing cash at a branch, or authorizing TD to deduct it from a linked savings account. Once the balance is paid, the account can close.