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Does closing a checking account (in good standing) affect my credit score or rating?

I have a standard checking account at National City (a major banking chain). The account is in good standing and I would be clsoing it voluntarily. I know closing credit cards affects credit, but does closing a bank account?

Public Comments

  1. I am actually taking a class on credit and personal finances right now and closing a checking or savings account does not affect your credit score. However, it should be done if it is not being used because it isn't helping you.
  2. Not at all, people put far to much emphasis on checking accounts!
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