Case does not charge a fee to close your checking account

Case, the mobile-first bank, does not impose a closing fee when you shut down your checking account. You can close the account at any time without a penalty, and there is no charge for doing so. This applies whether you close it after one month or after years of use.

The process itself is straightforward: you contact Case's customer service through their app or website, request the closure, and they handle it. Any remaining balance in the account gets sent to you, typically by check or ACH transfer depending on how you request it. You do not need to maintain a minimum balance while the closure is being processed.

Key Takeaways

  • Case charges no fee to close a checking account, regardless of how long you have held it.
  • You can initiate closure through the Case app or by contacting their support team directly.
  • Your remaining balance will be returned to you by check or bank transfer after closure is complete.
  • Case does not charge monthly maintenance fees on their checking accounts, so there are no ongoing costs to consider before closing.

How to close your Case checking account

Start by opening the Case app and navigating to your account settings. Look for the option labeled "Close Account" or "Account Settings"—the exact wording depends on which version of the app you are using. You can also contact Case's support team through the in-app chat or by phone if you prefer to close it that way.

When you request closure, Case will ask you to confirm that you want to proceed. They will also ask how you want your remaining balance returned. Most people choose ACH transfer to another bank account, which typically arrives within three to five business days. If you do not have another account set up, you can request a check instead, though this takes longer.

Before you close, make sure any pending transactions have cleared. If you have automatic payments or direct deposits set to hit this account, update those with your new bank information first. Case will not process new transactions once the account is closed, so any payments that arrive after closure may bounce.

What happens to your debit card after closure

Your Case debit card stops working when ready once the account is closed. You do not need to do anything special with the physical card—it straightforward becomes inactive. If you want to destroy it for security reasons, you can cut it up or shred it, but there is no requirement to return it to Case.

If you have set up any recurring charges or subscriptions using that card number, those will fail on the next billing cycle. Review your subscriptions and payment methods before closing the account so you can update them with a different card or payment method.

Other fees Case does charge

While Case does not charge a closing fee, they do charge fees in other situations. Overdraft fees explore if you spend more than your available balance—Case charges a fee per overdraft transaction. Out-of-network ATM withdrawals also incur a fee if you use an ATM that is not part of Case's network.

Case does not charge a monthly maintenance fee, which is one reason many people choose them. There are also no minimum balance requirements. However, if you use certain features—like wire transfers or expedited card replacement—those may carry separate charges. Check your account agreement or the Case website for the current fee schedule.

Timing and what to expect after closure

The actual closure process usually completes within one to three business days after you submit your request. During this time, your account is still technically open but flagged for closure, so do not attempt to make new transactions. Once Case confirms the closure is complete, they will send you a confirmation through the app or email.

Your remaining balance will be transferred or mailed according to your preference. If you chose ACH transfer, the money should arrive in your other bank account within three to five business days. If you requested a check, allow one to two weeks for it to arrive by mail. Case will not hold your money after closure—they send it out as soon as the account is closed.

Why you might close a Case account

People close Case accounts for different reasons. Some switch to a different bank because they need in-person branch access or different features. Others consolidate multiple accounts into one bank. Some move to a bank that offers higher interest rates on savings or checking balances. None of these reasons trigger a penalty with Case.

If you are unhappy with Case's service, customer support, or features, closing the account is free and straightforward. There is no lock-in period or contract that keeps you from leaving. This is true whether you have had the account for a week or several years.

Frequently Asked Questions

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

Case does not explicitly state whether you can reopen a closed account. Contact their support team to ask about reopening—they can tell you whether your account can be reinstated or whether you would need to open a new one. There is no fee to ask.

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

Wait for pending transactions to clear before you close the account. Once the account is closed, Case will not process new transactions, and payments that arrive after closure may be rejected. Check your recent activity to see what is still pending.

Do I lose any rewards or cash back when I close my account?

Case does not offer cash back or rewards programs on their checking accounts, so there is nothing to lose. If you had any promotional bonuses pending, check Case's terms to see whether closure forfeits them—this varies by promotion.

How long does it take to get my money back after closing?

ACH transfers typically arrive within three to five business days. Checks take one to two weeks by mail. The exact timing depends on your bank and the postal service. Case sends the money out when ready after closure is complete.

Will closing my Case account hurt my credit score?

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