Call 360 Bank directly to close your account

The fastest way to close a 360 savings 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 closure process, answer questions about where your remaining balance will go, and confirm the account is closed.

You can also close the account online if you have access to your 360 login. Go to your account settings, look for the option to close or deactivate the account, and follow the prompts. The online method takes a few minutes but gives you a written confirmation you can save.

If you opened the account through an employer or a third-party platform, check whether you need to close it through that portal instead of directly with 360. Some employer-linked accounts have their own closure procedures.

Key Takeaways

  • Call 360 Bank at 1-800-360-2623 with your account number to close your account over the phone.
  • You can close the account online through your 360 login in your account settings.
  • Your remaining balance will be sent to you by check or transferred to another bank account you provide.
  • Make sure any pending transactions or automatic transfers have cleared before you close the account.
  • Keep your closure confirmation for your records in case questions arise later.

What happens to your money when you close

When you close a 360 savings account, your remaining balance does not disappear. 360 will send it to you, but the method depends on what you arrange with them. Most commonly, they mail a check to your address on file, which takes 5 to 10 business days to arrive after closure is processed.

You can also ask 360 to transfer your balance directly to another bank account. If you choose this option, have the routing number and account number of your destination bank ready when you call or close online. Direct transfers usually complete within 1 to 3 business days.

Do not close the account until you have decided where your money is going. Once the account is closed, you cannot reverse the decision, so confirm the receiving account details are correct before you proceed.

Clear pending transactions before closing

Before you initiate closure, log into your account and check for any pending deposits, withdrawals, or automatic transfers. If you close the account while transactions are still processing, those transactions may fail or bounce back to whoever sent them.

Wait for any direct deposits to post and any bill payments or transfers you scheduled to complete. This usually takes 1 to 3 business days depending on what was pending. Once everything has cleared, you can safely close without complications.

If you have automatic transfers set up from another account into your 360 savings, cancel those before closure. The same applies to any automatic bill payments or recurring transfers out of the account. Stopping these first prevents confusion and rejected transactions.

Timeline for account closure

The account closure itself happens immediately when you call or submit the online request. However, the full process—including sending your balance to you—takes longer. If 360 mails a check, expect 5 to 10 business days from the closure date. If you request a direct transfer to another bank, allow 1 to 3 business days.

Business days do not include weekends or federal holidays. If you close on a Friday, the clock starts on Monday. If you close near a holiday, add extra time to your estimate.

You will receive a confirmation when the account is closed. Save this confirmation. If your check does not arrive or your transfer does not post within the expected window, you can reference this confirmation when you contact 360 again.

What to do if you cannot reach 360 by phone

If you try calling 360 and experience long wait times or cannot reach anyone, the online closure method is your alternative. Log into your account, navigate to settings, and look for "Close Account" or "Deactivate Account." The online process is self-service and does not require speaking to anyone.

You can also send a written request to close your account. Write a letter that includes your full name, account number, and request to close the account. Mail it to the address listed on your 360 statements or on their website. Include a phone number where they can reach you if they need clarification. This method is slower—allow 2 to 3 weeks—but it creates a paper trail.

If you have a problem during closure or your balance does not arrive as promised, contact 360 again with your confirmation number. Keep records of all calls, emails, and correspondence related to the closure.

After your account is closed

Once 360 confirms the account is closed, you will no longer be able to log into it or access any funds through it. If you receive your balance by check, deposit it into your new account as soon as it arrives. If you arranged a direct transfer, verify that the money landed in your destination account.

You may still receive statements or notices from 360 for a short time after closure. These are normal and do not mean the account is still active. You can discard them or contact 360 if you want to be removed from their mailing list.

If you ever need proof that the account was closed, keep your closure confirmation. Banks and creditors sometimes ask for this documentation, especially if you are disputing something or applying for credit.

Frequently Asked Questions

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

Yes, you can open a new 360 savings account at any time. However, you cannot reactivate the closed account itself. If you close and then change your mind, you will need to open a fresh account with a new account number. Any promotional offers that applied to your original account may not apply to the new one.

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

If your account is overdrawn, 360 will not close it until the negative balance is resolved. Deposit enough money to bring the account to zero or positive, then proceed with closure. Once the account is positive, you can close it and receive any remaining balance.

Do I lose interest if I close mid-month?

Interest accrual depends on 360's terms for your specific account type. Some accounts pay interest monthly, others daily. Contact 360 to ask when your next interest payment posts. If you close before that date, you may not receive that interest. If you close after, you will.

Will closing my 360 account hurt my credit?

Closing a savings account does not affect your credit score. Credit scores are based on borrowing and repayment history, not on savings accounts. You can close a 360 savings account without any impact on your credit.

What if I forgot my login password?

If you cannot log into your 360 account to close it online, call customer service at 1-800-360-2623. They can verify your identity and help you reset your password, or they can close the account for you over the phone without requiring you to log in.