Call 360 Bank directly to start the closure process

The fastest way to close a 360 checking account is to call their customer service line at 1-800-360-2623. Have your account number ready. A representative will walk you through the steps, answer questions about what happens to your balance, and confirm whether you need to visit a branch or if everything can be handled by phone.

360 Bank is an online-only bank (owned by Capital One), so you cannot walk into a physical location to close your account. All closures happen over the phone or through their online banking portal. The phone route is usually faster because a representative can process it when ready and answer follow-up questions on the spot.

Call during their business hours: Monday through Friday, 7 a.m. to 11 p.m. ET, and Saturday and Sunday, 9 a.m. to 6 p.m. ET. Wait times are typically shorter on weekday mornings.

Key Takeaways

  • Contact 360 Bank at 1-800-360-2623 to close your account; phone is faster than online methods.
  • You must withdraw or transfer your remaining balance before the account closes, or 360 will mail you a check.
  • Confirm that all automatic payments and direct deposits linked to the account have been moved to another bank account first.
  • Ask for written confirmation of the closure, including the date it takes effect, to keep for your records.
  • If you have a linked savings account, closing your checking account does not automatically close savings.

What to do with your remaining balance

Before you call to close the account, decide where your money will go. You have three options: transfer it to another bank account you own, withdraw it in cash at an ATM, or let 360 mail you a check after the account closes.

Transfer is the cleanest option. You can move money from your 360 checking to another bank account (at the same bank or a different one) through their online portal before you call to close. Log into your 360 account, go to Transfers, and follow the prompts. This usually takes one to three business days.

If you withdraw cash, use a 360-affiliated ATM (360 is part of the Allpoint network, which has thousands of ATMs nationwide) or withdraw at a branch of another bank that honors 360 cards. Some banks charge a fee for out-of-network withdrawals, so check first.

If you do nothing, 360 will mail a check to the address on file within 30 days of closure. This is the slowest route and carries a small risk that the check gets lost in the mail.

Stop automatic payments and direct deposits before closing

Any automatic bill payments or recurring transfers tied to your 360 checking account will fail once the account closes. You need to reroute these before you call to close.

Log into your 360 account and review the Transfers and Payments section. Write down every automatic payment and recurring transfer. Then contact each biller or employer to update your payment method or direct deposit destination to your new bank account. This usually takes a few days per biller, so start this step at least a week before you plan to close.

If you miss one and a payment bounces after closure, the biller may charge you a fee. 360 will not reverse the closure to catch a missed payment, so the burden falls on you to track these down.

What happens to linked accounts and credit products

If you have a 360 savings account linked to your checking account, closing the checking account does not close savings. You must close savings separately by calling the same number or through your online portal.

If you have a 360 money market account or a 360 credit card, those are separate products and are not affected by closing your checking account. They will remain open unless you close them separately.

If your 360 checking account is linked to a debit card, that card will stop working once the account closes. Destroy the card or wait for it to expire. You do not need to call to deactivate it separately.

Timeline and confirmation

Most 360 checking accounts close within one to five business days after you call. The representative will give you a specific closure date. Write this down or ask them to email you a confirmation.

After closure, you will no longer be able to log into that account through the online portal. Any pending transactions (checks you wrote, transfers in flight) may still post for a few days after the official closure date, so do not be alarmed if you see activity briefly after the account is marked closed.

Keep the confirmation email or letter for your records. If you ever need to prove the account was closed on a certain date—for tax purposes, fraud disputes, or other reasons—you will have documentation.

If you have an outstanding balance or hold

If your 360 checking account is overdrawn or has a negative balance, you must pay it before the account can close. The representative will tell you the amount owed and how to pay it (usually by transfer from another account or debit card).

If 360 has placed a hold on your account due to suspicious activity or a fraud investigation, you cannot close it until the hold is lifted. Ask the representative when the hold will be released and what you need to do to speed up the process.

Frequently Asked Questions

Can I close my 360 checking account online without calling?

360 does not offer a full online closure option through their portal. You must call customer service at 1-800-360-2623 to initiate closure. Some online banks allow account closure through the app or website, but 360 requires a phone call to confirm your identity and process the request.

What if I have a pending check or transfer when I close?

Pending transactions may still post after the account closes. If a check clears after closure, 360 will honor it and the funds will come from your account balance. If a transfer is in progress, it will complete. Ask the representative whether you should wait for pending items to clear before closing, especially if the balance is tight.

Will closing my 360 account hurt my credit?

Closing a checking account does not affect your credit score. Credit bureaus do not track checking accounts—only credit products like loans and credit cards. Closing 360 checking will not show up on your credit report.

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

Yes, you can open a new 360 checking account at any time by visiting their website or calling. However, if your account was closed due to fraud or violation of their terms, 360 may decline to let you open a new one. For a standard closure, reopening is straightforward.

What if I forgot to move my direct deposit before closing?

If your employer deposits money into a closed 360 account, the deposit will be rejected and returned to your employer. Your employer's payroll system will show the deposit failed. Contact your HR or payroll department when ready to update your direct deposit information with your new bank account details.