Switching banks doesn’t have to be complicated.

Jun 2, 2025 | 1 Minute Read

Switching banks doesn’t have to be complicated. With a bit of preparation, the transition can be smooth and hassle-free.

Follow these easy steps to ensure you cover all your bases:

1. Choose Your New Bank (psst, we think First National Bank is pretty fantastic 😉)

  • Look for services, locations, online capabilities, fees, and customer service that meet your needs.

2. Open Your New Account

  • Visit your chosen bank to open an account.
  • Deposit an initial amount if required.

3. List Your Automatic Transactions

  • Direct Deposits: Paychecks, pensions, social security, or other recurring deposits.
  • Automatic Payments: Utilities, subscriptions, mortgages, insurance, or any regular payments.

4. Redirect Your Direct Deposits

  • Provide your employer (or other payers) with your new account details.
  • Check processing times to avoid gaps in your income stream.

5. Update Automatic Payments

  • Contact service providers with your new account information to avoid missed payments.
  • Keep track of the confirmation numbers or emails.

6. Transfer Recurring Payments via Debit/Credit Cards

  • Update your billing information for online subscriptions or services linked to your previous debit or credit card.

7. Monitor Your Old Account

  • Leave enough money temporarily in your old account to cover any unforeseen expenses or automatic charges.
  • Regularly check your old account statements.

8. Close Your Old Account

  • Once all automatic payments and direct deposits have successfully moved, contact your old bank to close your account.
  • Request a written confirmation of account closure for your records.

9. Safely Dispose of Old Checks and Cards

  • Shred unused checks, deposit slips, and old debit or ATM cards to protect your identity.
  • Switching banks is a fresh start! Follow these steps, and you’ll be confidently managing your finances in no time.

For even more information, check out our Switch Kit!