Case does not charge a fee to close your checking account

Case, the mobile banking app and debit card service, does not impose a closing fee when you shut down your account. You can close it at any time without penalty. The process is straightforward: you contact Case support through the app, request account closure, and they handle it. No hidden charges appear on your final statement.

This matters because some traditional banks and online banks do charge closure fees—typically $25 to $100—if you close within a certain window (often 90 days to a year of opening). Case avoids this entirely. If you're moving your money elsewhere or no longer need the account, you won't face a financial barrier to leaving.

Key Takeaways

  • Case does not charge any fee to close your checking account, whether you close it after one month or one year.
  • You initiate closure by contacting Case support through the app; there is no form to mail or phone number to call.
  • Your account closure is final once Case processes it, so move any remaining funds to another account first.
  • Case has no monthly maintenance fees or minimum balance requirements, so there are no ongoing charges to worry about while the account is open.

How to close your Case account

Open the Case app and navigate to the settings or account menu. Look for an option labeled "Close Account" or "Account Settings." Select it and follow the prompts. Case will ask you to confirm that you want to close the account and may ask why you're leaving—this feedback is optional.

Before you confirm closure, move any money remaining in your account to another bank account you control. Once Case processes the closure, you cannot access the account or retrieve funds left behind. The closure typically takes a few business days to complete.

If you cannot find the closure option in the app, contact Case support directly through the app's help or support section. They can walk you through the process or close it for you. Response times vary, but Case generally replies within one business day.

What happens to your debit card when you close

Your Case debit card stops working immediately or within a few hours of account closure. You do not need to physically destroy it, though you can if you prefer. Case will not charge you for the card itself or for deactivating it.

If you have any pending transactions—charges that have been authorized but not yet settled—they may still post to your account after closure. This is rare but possible. Make sure your account has enough balance to cover any transactions in flight, or contact Case support to check for pending charges before you close.

No other fees to worry about with Case

Case does not charge monthly maintenance fees, minimum balance fees, or overdraft fees. There are no ATM fees for using Case's network of partner ATMs, though using out-of-network ATMs may incur charges from the ATM operator, not Case.

This fee structure is one reason people choose Case—the account costs nothing to maintain while open and nothing to close. If you're comparing Case to a traditional bank, the absence of these fees often makes Case cheaper over time, even if you only keep the account open for a few months.

Transferring your money before closing

Before you close your Case account, move your money to your primary bank account or another account where you want to keep it. You can transfer money from Case to another bank account using an ACH transfer, which typically takes one to three business days.

To set up a transfer, go to the transfer or send money section of the Case app. Enter the receiving bank's routing number and your account number at that bank. Case will verify the account with a small deposit (usually under $1) and then allow you to transfer larger amounts. Once verified, you can move your full balance.

If you have direct deposit set up with Case, remember to update your employer or the source of the deposit with your new bank details before you close. Otherwise, your next paycheck or payment may fail to arrive.

Reasons people close Case accounts

Some people close Case because they no longer need a second account—they opened it for a specific purpose and now want to simplify. Others switch because they need features Case doesn't offer, like savings accounts, credit cards, or in-person branch access. Some move to a bank that offers better rewards or interest rates.

None of these reasons will cost you a closing fee with Case. The decision to close is yours alone, and Case won't penalize you financially for making it. This is different from some banks, which use closing fees to discourage customers from leaving.

Frequently Asked Questions

Will Case charge me if I close my account after just a few weeks?

No. Case has no minimum account age and no early closure fee. You can close your account one week after opening it with no penalty. Some banks charge fees if you close within 90 days or a year, but Case does not.

What if I have a negative balance when I try to close?

You cannot close your account if it has a negative balance. You must deposit money to bring the balance to zero or positive first. Once the balance is settled, you can proceed with closure.

Can I reopen my Case account after closing it?

You can open a new Case account at any time, but you cannot reopen the exact same closed account. The old account is permanently closed. Opening a new account is free and takes a few minutes through the app.

Do I need to close my Case debit card separately from my account?

No. Closing your account automatically deactivates your debit card. You do not need to take any separate step to close the card. The card simply stops working once the account is closed.

Will closing my Case account hurt my credit score?

No. Closing a checking account does not affect your credit score. Credit scores are based on credit history—loans, credit cards, and payment history. A checking account closure has no impact on your credit report or score.