Make sure your balance is $0 or move all funds out
Stop any pending deposits or withdrawals
Cancel or update any direct deposits and automatic payments
Download or save recent statements and transaction records
Call Wells Fargo customer service or visit a branch
Request to close the checking account
Confirm there are no fees, holds, or linked services preventing closure
Ask for written confirmation that the account is closed
Destroy unused checks and debit cards tied to the account
Monitor the account for a few weeks to ensure no new activity appears