You can close a TD Bank account by visiting a branch in person, calling customer service, or using online banking if the account has no balance

The fastest way to close a TD Bank account is to walk into any TD Bank branch with your ID and ask to close it. A banker will verify your identity, confirm the account has no outstanding checks or pending transactions, and process the closure on the spot. If you have a balance, they will give you options to move the money — usually a check, a transfer to another bank account, or a deposit to a different TD account.

If you cannot visit a branch, you can call TD Bank's customer service line at 1-800-933-6262 (for TD Bank, N.A. accounts) or 1-888-751-9000 (for TD Bank USA, N.A. accounts). Have your account number and ID ready. The representative will walk you through the closure and arrange how to handle any remaining balance. Some accounts can be closed online through TD Bank's website or mobile app, though this option is not available for all account types.

Key Takeaways

  • Visiting a TD Bank branch in person is the quickest way to close an account, and you can do it the same day.
  • You must have a zero balance or arrange to move your money before the account closes.
  • If you have automatic payments or direct deposits set to this account, change them to another account before closing to avoid missed payments or lost deposits.
  • TD Bank will send you written confirmation of the closure by mail, which you should keep for your records.
  • Closing an account does not affect your credit score, but you should confirm any outstanding checks have cleared first.

What to do before you close the account

Before you contact TD Bank to close the account, take care of a few things. First, make sure the account balance is zero or decide what you want to do with any remaining money. If you have automatic bill payments, recurring transfers, or direct deposits going to this account, change them to your new account at least a week before closure. Missing a payment because you closed the account without redirecting it can hurt your credit or cause late fees.

Check whether you have any outstanding checks you wrote from this account. If you wrote a check last week and it has not cleared yet, wait until it does before closing. You can usually see pending checks in your online banking or by calling customer service. If you have a debit card linked to the account, you can keep using it until the account officially closes, but after that it will stop working.

Closing the account at a TD Bank branch

Find your nearest TD Bank branch using the branch locator on TD Bank's website. Bring a government-issued photo ID (driver's license, passport, or state ID). If you have a debit card, bring that too — it will make the process faster. Walk up to any teller or ask for a new accounts representative and tell them you want to close your account.

The banker will pull up your account, confirm your identity, and check the balance. If there is money in the account, they will ask whether you want a check mailed to you, a transfer to another bank account, or a deposit to a different TD account. If you choose a transfer to another bank, have that account's routing number and account number ready. The whole process usually takes 10 to 15 minutes. You will receive a receipt, and TD Bank will mail you written confirmation within a few business days.

Closing the account by phone

Call TD Bank customer service at 1-800-933-6262 (TD Bank, N.A.) or 1-888-751-9000 (TD Bank USA, N.A.). Have your account number and a government-issued ID nearby. The representative will verify your identity by asking for your Social Security number, date of birth, and other personal details. They will confirm the account balance and ask how you want to handle any remaining money.

If you have a balance, you can request a check be mailed to your address on file, or you can provide another bank account's routing and account number for a transfer. The representative will process the closure and give you a confirmation number. Write down this number and the date and time of the call. You will receive written confirmation in the mail within a few business days.

Closing the account online

Some TD Bank accounts can be closed through online banking or the TD Bank mobile app. Log in to your account, look for account settings or account management, and search for a "close account" or "close this account" option. Not all account types support online closure — if you do not see the option, you will need to visit a branch or call customer service instead.

If the option is available, the system will confirm your account balance and ask how you want to handle any remaining money. You will need to have a zero balance or arrange a transfer before you can complete the closure online. After you submit the request, you will receive a confirmation number on screen. Save this and wait for written confirmation by mail.

What happens after you close the account

Once the account is closed, you cannot use the debit card or make deposits to it. Any checks you wrote that have not cleared will bounce, so make sure all outstanding checks have cleared before closure. If someone tries to deposit money to the account after it closes, the deposit will be returned to them.

TD Bank will keep records of the closed account for a period of time. If you need a statement or other documentation later, you can contact customer service and request it. Closing an account does not affect your credit score — credit bureaus do not track closed bank accounts the way they track closed credit cards.

If you have a joint account

If the account is held jointly with another person, both account holders usually need to agree to close it. Some TD Bank branches will allow one person to close the account if they have power of attorney or if the other person has passed away, but you will need to bring documentation. Call ahead to confirm what your branch requires, or ask when you arrive.

If you want to close your portion of the account but keep the other person's access, that is not possible — closing the account closes it for everyone. The other account holder would need to open a new individual account and transfer their portion of the balance to it before closure.

Frequently Asked Questions

Will closing my TD Bank account hurt my credit?

No. Closing a bank account does not affect your credit score. Credit bureaus track credit accounts like loans and credit cards, not checking or savings accounts. You can close a TD Bank account without any impact on your credit.

What if I have a pending direct deposit or automatic payment?

Change the account information for any direct deposits or automatic payments before you close the account. If a payment tries to go through after closure, it will be rejected and may result in a late fee or missed payment. Update these at least a week before you plan to close.

Can I reopen a closed TD Bank account?

You can open a new account with TD Bank at any time, but you cannot reopen the exact same closed account. If you change your mind shortly after closing, contact customer service to see if they can reverse the closure before it fully processes — this is sometimes possible within a day or two.

What if I still owe money on the account?

If the account is overdrawn or has a negative balance, you must pay that amount before closing. You can pay it by transferring money from another account, making a deposit at a branch, or paying over the phone with a debit card or bank account.

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

The account is usually closed the same day you request it, but it can take a few business days for all pending transactions to clear and for the closure to be fully processed. You will receive written confirmation by mail within a few business days.