Make sure your account balance is zero
Transfer or withdraw any remaining funds
Cancel any automatic payments or direct deposits linked to the account
Download or save any statements or records you need
Call Bank of America customer service or visit a branch
Request to close the account
Confirm that all pending transactions have cleared
Ask for written confirmation that the account is closed
Destroy any linked debit cards, checks, or deposit slips
Monitor the account for a few weeks to ensure no new activity appears