Open a new bank account
Compare fees, interest rates, features, and branch or ATM access
Make a list of all direct deposits and automatic payments
Update your employer with the new account details
Move recurring deposits to the new account
Change automatic bill payments to the new account
Transfer your balance to the new account
Leave enough money in the old account to cover pending transactions
Monitor both accounts until all transactions clear
Close the old account after everything has been switched
Get written confirmation that the old account is closed
Destroy old checks, debit cards, and deposit slips
Update any linked financial apps or services