How to close a bank account is really a matter of timing. ... Some banks and credit unions may require you to fill out an account closure request form or submit a written request.

Closing a bank account isn’t difficult, but big banks sometimes charge you for it. Here’s how to close a bank account without paying unnecessary bank fees.

To open a checking account at a bank branch you'll typically need to bring a government-issued ID, an SSN or TIN card, and proof of address, but more may be required.