It’s important to know that closing a bank account does not directly affect your credit score. However, if you have outstanding debts with the bank or if the account has a negative balance, closing it could indirectly affect your credit score.
When you close a bank account, the account is reported as “closed” on your credit report. This is generally not a major issue, but it could be a problem if you’re trying to open a new account and the lender sees that you’ve recently closed another account.
If you have outstanding debts with the bank, those debts will still need to be paid. And, if the account has a negative balance, the negative balance will be reported on your credit report. So, while closing a bank account won’t directly affect your credit score, it could indirectly affect your credit score if you have outstanding debts or a negative balance.