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Making a change to any banking information must go through a security bot system.:p
It is appraised to ensure there is no fraud. Therefore it is not immediate. When you close a bank account, the bank will not exactly allow that closure but will 'hold' in case there are transactions that will cause them to lose money. Yes, the bank says the account is closed
but.....;)

Wells Fargo is good for opening and closing accounts or block debiting.

I have had a couple hairy situations and they have been reliable in all cases.

You do have to check up to "make sure" they closed it, because there can be something that comes through on that business day that will stop it from fully closing.

Once it is closed with Fargo, its closed.

With Chase, I am a bit more leary, but I think its basically the same deal with them.

For a bit, I was thinking Chase may just let something slide through (back in like 2007 or so), but now, I think when they close it, its really closed as well.

When I spoke with a banker back some years ago, it sounded like something could slip through. But more recently I had sat down with a banker and it sounds like it is now iron-clad.

Just ask the banker can anything get through. Be diligent in your line of questioning, etc.


Not sure about any other bank.