Call 360 Bank directly to close your account

The fastest way to close a 360 savings account is to call their customer service line at 1-800-360-2360. Have your account number ready. A representative will walk you through the closure process, answer questions about your balance, and confirm where you want any remaining funds sent.

You can also close the account online through your 360 Bank dashboard if you log in and navigate to account settings, though phone closure is more reliable because the representative can confirm the closure immediately and address any holds or pending transactions that might block an online request.

360 Bank does not charge a fee to close a savings account. If your account has a balance, the bank will transfer it to the account you specify — usually a checking account at 360 or another bank — within one to three business days.

Key Takeaways

  • Call 1-800-360-2360 with your account number to close your 360 savings account; there is no closure fee.
  • Any remaining balance will be transferred to an account you designate, typically within one to three business days.
  • Closing online through your account dashboard is possible but phone closure is faster and gives you immediate confirmation.
  • Make sure you have no pending transactions or automatic transfers linked to the account before you close it.
  • If you have a 360 checking account, you can keep that open while closing only the savings account.

What to do before you call

Before you contact 360 Bank, check your account for any pending deposits, automatic transfers, or bill payments. If money is scheduled to arrive or leave the account in the next few days, wait until those transactions clear. Closing an account with pending activity can delay the closure or cause the transaction to fail.

Write down your account number and have it ready when you call. You will also need to know which account you want your balance sent to — the bank name, account number, and routing number if it is at a different bank. If you are transferring to another 360 account you own, the process is simpler and faster.

Check whether you have any linked services. Some 360 customers use their savings account as an overdraft backup for their checking account. If that is your setup, closing the savings account will remove that protection, so you may want to set up a different overdraft option first.

How the money gets transferred

When you close your 360 savings account, the bank will move your balance to the account you specify. If that account is also at 360 Bank, the transfer usually completes within one business day. If you are moving the money to a bank outside 360, it typically takes one to three business days because the transfer has to route through the banking system.

360 Bank will send the funds via ACH transfer, which is the standard electronic method. You do not need to do anything after you give the bank your destination account details — the transfer happens automatically once the account closes.

If your account has a very small balance (under $1), some banks hold it or donate it to charity rather than transfer it. Ask the representative what will happen to your specific balance when you call to close.

What happens to your debit card and online access

If your 360 savings account has a linked debit card, that card will stop working once the account closes. The closure usually takes effect the same day you request it, so the card may decline immediately or within a few hours.

Your online access to that specific account will disappear from your 360 Bank dashboard. If you have other accounts at 360 (like a checking account), those will remain open and accessible. You can still log into your 360 account to see your other products.

If you have set up any alerts or notifications tied to the savings account, those will stop once the account closes. You do not need to manually delete them.

If you have a negative balance or owe fees

If your 360 savings account is overdrawn or has unpaid fees, the bank will not close it until the balance is settled. You will need to deposit money to bring the account to zero or positive before closure can happen.

When you call to close the account, the representative will tell you the exact amount owed and explain your options. You can deposit funds online, by transfer, or by mailing a check. Once the balance is cleared, you can proceed with closure.

If you dispute a fee or believe it was charged in error, mention this when you call. The representative can sometimes reverse recent fees, which may help you avoid a deposit.

Closing only the savings account while keeping checking open

You can close your 360 savings account without closing your checking account or any other products you have with 360 Bank. Tell the representative specifically that you want to close only the savings account. They will confirm which account is being closed before processing the request.

If your checking account is linked to the savings account for overdraft protection, closing the savings account will remove that feature. The representative will ask whether you want to set up a different overdraft option (like a line of credit) before the closure goes through.

Your checking account, online banking access, and any other 360 products will continue to work normally after the savings account closes.

Confirming the closure and getting documentation

After you close your account, ask the representative for a confirmation number. Write it down or ask them to email it to you. This number proves the account was closed on a specific date and can help if there are any questions later.

You should receive a confirmation email from 360 Bank within a few hours of closure. If you do not see it within 24 hours, log into your account online or call back to verify the closure went through.

Keep the confirmation number and email for your records. If a transaction or charge appears on the account after closure, you will have proof of when the account was closed.

Frequently Asked Questions

Can I reopen a 360 savings account after I close it?

Yes. You can open a new 360 savings account at any time by logging into your online account or calling customer service. There is no waiting period. However, you will need to meet 360's current requirements for new accounts, which may include a minimum opening deposit.

What if I close my account but the transfer doesn't arrive?

If your balance has not arrived at the destination account within three business days, contact 360 Bank with your confirmation number. They can trace the transfer and confirm whether it was sent. If the receiving bank is outside 360, you may also need to contact that bank to check whether the funds arrived but were held or delayed.

Do I need to close my account in person at a branch?

No. 360 Bank is an online bank with no physical branches. You can close your account entirely by phone or online. You do not need to visit a location or mail anything in.

Will closing my account hurt my credit score?

Closing a savings account does not affect your credit score. Credit bureaus do not track savings accounts, only credit products like loans and credit cards. Closing a savings account is a routine banking action with no credit impact.

What if I have automatic bill payments set up on the savings account?

Before you close the account, you need to move or cancel any automatic payments. Log into your account and update those payments to come from a different account, or contact the companies you pay to change the account information. If you close the account with active payments, those transactions will fail and may result in late fees from the companies you owe.