Most Security Bank accounts can be closed online through their website or mobile app, but the process depends on your account type and whether you have an outstanding balance
Security Bank does not publish a single online closure tool visible to all customers. Instead, the method varies: if you have a checking or savings account with no linked loans or credit products, you can often initiate closure through your online banking portal by navigating to account settings. If you have a mortgage, auto loan, or credit card through Security Bank, you will need to contact them directly because those products must be closed separately and may have payoff requirements.
The fastest way to find out whether your specific account can close online is to log into your Security Bank account, look for "Account Settings" or "Manage Account," and search for a closure or deactivation option. If nothing appears, or if you see a message directing you to call, that account type requires a phone call or branch visit. Security Bank's customer service line is available during business hours, and you can also visit a branch in person.
Key Takeaways
- Simple checking and savings accounts may close online through your account settings, but Security Bank does not advertise a standard online closure process for all account types.
- Accounts with linked loans, mortgages, or credit cards must be closed by phone or in person because those products have separate payoff and closure requirements.
- Before closing, you must have a zero balance and no pending transactions, and you should redirect any automatic deposits or payments to another account.
- Contact Security Bank directly if you cannot find a closure option in your online portal, because the path depends on your account structure.
What you need to do before closing online
Bring your account balance to zero. Security Bank will not close an account with money in it, and they will not close it if checks or automatic payments are still pending. Log into your account and review recent transactions to confirm nothing is in flight. If you have scheduled bill payments or automatic transfers set up, cancel those first or redirect them to your new bank.
If you receive direct deposits—paychecks, benefits, tax refunds—update the deposit instructions with your employer or the paying agency at least a week before you close the account. Money sent to a closed account will bounce back to the sender, and you may face delays getting it reissued. The same applies to any recurring transfers you have set up with other banks or services.
Gather any account numbers or reference information you might need. Write down your account number, routing number, and the last four digits of any card linked to the account. If you have questions during the closure process, this information will help you explain which account you are closing.
How to close through online banking if the option exists
Log into your Security Bank online account or open the mobile app. Navigate to the account you want to close—if you have multiple accounts, make sure you select the right one. Look for a menu labeled "Account Settings," "Manage Account," "Account Options," or similar language. Some banks bury this in a three-line menu icon in the top corner.
Scroll through the available options. You are looking for language like "Close Account," "Deactivate Account," "Close This Account," or "Request Account Closure." If you see it, click or tap it. The system will usually ask you to confirm your identity and may ask why you are closing. Answer honestly—banks track this data but it does not affect your ability to close.
Follow the prompts to completion. The system may ask you to confirm your zero balance one more time, agree to terms, or provide a forwarding address for final statements. Once you submit, you should receive a confirmation number and an email receipt. Save both. The account will typically close within one to three business days, though Security Bank may take longer depending on their processing queue.
When you must close by phone or in person
If your account has an outstanding loan balance, mortgage, or active credit card, you cannot close it online. These products are separate contracts and must be paid off or closed individually. Call Security Bank's customer service number (available on your statement or their website) and tell them you want to close your account. They will walk you through paying off any balance and closing each product in the correct order.
If you have a joint account, both account holders may need to authorize the closure. Some banks allow one person to close online if they are the primary account holder, but others require both signatures. Call ahead to confirm what Security Bank requires for your situation.
If you cannot find a closure option in your online portal after checking thoroughly, do not assume it is not there—call customer service. They can tell you in one call whether your account type supports online closure and, if not, walk you through the phone or branch process immediately.
What happens after you close your account
Security Bank will send you a final statement showing all transactions through the closure date and confirming the account is closed. This statement arrives by mail within one to two weeks. Keep it for your records, especially if you had automatic payments or recurring charges—you may need proof that the account is closed if a charge attempts to post after closure.
Any checks you wrote against the account before closure will still clear if they have not been deposited yet. If you closed the account and then realize you wrote a check that has not cleared, contact Security Bank immediately. They may be able to stop payment or honor the check from a temporary hold, depending on timing.
If you had a debit card linked to the account, it will stop working immediately after closure. You do not need to do anything—the card will simply decline at checkout. If you want to destroy it for security reasons, you can cut it up or shred it.
If your account closure is denied or delayed
Security Bank may refuse to close your account if you have an outstanding balance, pending transactions, or an active fraud investigation. If you see a message saying your closure request was denied, log back in and check your account balance and recent activity. If the balance is truly zero and there are no pending items, call customer service and ask why the closure was blocked.
If the system says your account is closed but you still see it in your online portal, wait 24 to 48 hours. Closed accounts sometimes remain visible for a few days while the bank's systems sync. If it is still there after two days, call to confirm the closure went through.
If you are trying to close the account because of a dispute, fraud, or a problem with Security Bank's service, document everything—screenshots of error messages, dates you attempted closure, confirmation numbers from any requests. This record protects you if the bank later claims you never asked to close the account.
Frequently Asked Questions
Do I need to close my debit card separately from my account?
No. When you close the account, the debit card stops working automatically. You do not need to call or submit a separate request. If you want the card destroyed immediately for security reasons, you can cut it up, but the bank will deactivate it on their end when the account closes.
What if I have a pending check that has not cleared yet?
Contact Security Bank before you close the account and ask them to hold the account open until the check clears, or ask if they can honor the check after closure. Some banks will do this; others will not. It is easier to wait for the check to clear than to deal with a bounced check after closure.
Can I reopen a Security Bank account after I close it?
Yes, but Security Bank may require you to wait a period of time (often 30 days) before opening a new account. If you closed because of a problem, ask customer service whether there is a waiting period and whether anything on your record would prevent you from opening a new account.
Will closing my account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts do not report to credit bureaus. However, closing a credit card or paying off a loan does affect your credit, though usually only slightly and temporarily.
What if I forgot to update my direct deposit before closing?
Money sent to a closed account will be returned to the sender. Contact your employer or the agency sending the deposit and provide your new bank account information. They will reissue the deposit to the correct account, but this can take one to two pay cycles. Plan ahead to avoid missing a paycheck.