What you can and cannot do online with Security Bank
Security Bank does not let you close an account entirely through their website or mobile app. You can view your account status, transfer money out, and set up alerts online, but the actual closure requires a phone call or an in-person visit to a branch. This is standard across most banks — the final step of closing an account involves verification steps that the bank performs with a person on the other end of the line.
The reason is straightforward: closing an account means the bank needs to confirm your identity, check for outstanding transactions, and may support all your money has been moved. These steps require a real conversation, not just a login.
Key Takeaways
- Security Bank requires you to call or visit a branch in person to close an account; you cannot complete the closure online.
- Before you call, transfer your remaining balance to another account and confirm you have no pending checks or automatic payments tied to the account.
- Customer service can be reached at the phone number on the back of your card or on the Security Bank website.
- The closure itself usually takes a few minutes once you are connected, but it may take several business days for the account to fully close in their system.
What to do before you call to close the account
Move your money first. Log into your Security Bank account online or through the mobile app and transfer your remaining balance to another bank account you control. This step matters because once the account is closed, you cannot access it, and any remaining funds become harder to retrieve.
Check for pending activity. Look through your recent transactions to see if you have any automatic payments, direct deposits, or standing orders tied to this account. If you do, you need to update those with your new account number before closing, or they will fail. This includes subscriptions, insurance payments, utility bills, and payroll deposits.
Look for outstanding checks. If you wrote any checks from this account that have not cleared yet, wait until they do before closing. A closed account cannot process checks, and the check will bounce. You can see pending checks in your transaction history or call the bank to ask.
How to reach Security Bank to close your account
Call the customer service number on the back of your debit card. This is the fastest route. Have your account number and a form of ID ready when you call. The representative will verify your identity, confirm that your balance is zero or that you want any remaining funds sent to you, and then process the closure.
If you prefer to close the account in person, visit any Security Bank branch with a photo ID and your account number. A teller can close the account on the spot. This route works well if you have questions or if you want to withdraw any remaining balance in cash rather than transfer it electronically.
Security Bank's hours and branch locations are listed on their website. If you are calling outside business hours, you may reach an automated system; stay on the line or follow the prompts to reach a live representative during the next business day.
What happens after you request the closure
The representative will confirm your request and process the closure when ready. However, the account does not disappear from their system right away. It typically takes three to five business days for the account to fully close and stop appearing in your online banking.
During this window, do not attempt to use the account. Any transactions you try to make will fail. If you have set up automatic payments or transfers that you forgot to update, they will be rejected, and you may see a failed transaction fee from the other institution.
Once the account is closed, Security Bank will keep records of it for their internal purposes, but you will no longer be able to log in or access it through their website or app.
What to do if you cannot reach customer service
If you call during business hours and wait longer than expected, try calling back at a different time. Customer service lines are often busier early in the morning or around lunch. Alternatively, visit a branch in person — this usually takes less time than waiting on the phone.
If you have a Security Bank account through an employer or organization (such as a credit union partnership or workplace banking program), you may need to contact that organization's benefits or HR department instead of Security Bank directly. Check your account paperwork to see which entity issued the account.
Frequently Asked Questions
Will closing my Security Bank account hurt my credit score?
No. Closing a bank account does not affect your credit score. Banks report account closures to credit bureaus, but the closure itself has no impact on your credit history or rating. Only credit accounts — credit cards, loans, lines of credit — affect your score.
What if I have a pending direct deposit scheduled to hit this account?
Contact your employer's payroll department or the organization sending the deposit and give them your new account number before you close the account. If a deposit arrives after the account is closed, it will be rejected and returned to the sender. You will then have to contact them to resubmit it to the correct account.
Can I reopen a Security Bank account after I close it?
Yes, you can open a new account with Security Bank at any time. However, the old account will remain closed. You will go through the normal account opening process, which may include a review of your banking history. If you closed the account in good standing, this should not be a problem.
What if there is still money in the account when I call to close it?
Tell the representative during the call. They can transfer the remaining balance to another account you provide, or in some cases, they can issue a check. Make sure you have another account number ready if you want a transfer, or ask about check options if you do not.
Do I need to destroy my debit card after closing the account?
You should cut it up or shred it to prevent accidental use, but it is not required. Once the account is closed, the card will not work at ATMs or point-of-sale terminals. However, destroying it removes any risk of confusion if you find it later.