debiting a dead account..

[floridian]

ive heard stories here about being charged fees for debits on closed accounts... how is that possible?

i was thinking of getting my bank to close my current account and give me a new account number, to protect from CC companies that ive had auto pay in the past..

am i not exempt from a CC agent trying to debit my old number?

[catleg]

As long as you have cleared out your money and don't have an overdraft line of credit, the worst that can happen is the bank will ding you $35 or whatever their NSF penalty fee is. It's probably best to switch banks if that happens.

[fireworks]

BOA and AMEX continued to debit my account even though I had canceled the automatic draft. After returning those payments as unauthorized I closed that account and opened a new one. Since then no problems.

I think it's up to individual banks whether or not they'll allow debits after the account is closed. I remember a bank years ago that did, and charged me NSF fees each time. I don't remember what bank it was but it was one of the big ones. My current bank is a small, local outfit. After I closed the account I had two debits come in, one that I had forgotten to switch to the new account and one that was unauthorized. In both cases my bank called me and asked what to do.