Yes, the agent seemed to think that it would be an easy closure, but apparently Green Dot has other things in mind that inhibit immediate closure of a QuickBooks Cash Checking account even if it's already zeroed out.

But yes, from what I was told, we cannot inactivate that account in the Chart of Accounts until it is fully closed out and unlinked from our QBO account as a whole. That being said, after the account is closed out, I see no reason why we shouldn't be able to set that to inactive in Chart of Accounts – it'll be awhile before I can test it out for myself though.

As for making the account closure process quicker, after speaking with someone from QuickBooks Banking, I was told to just ensure no new deposits hit the account; not even a microdeposit that some institutions use to verify accounts...so just make sure you're not using it at all or the clock resets. I stressed to that representative that I wanted it closed immediately, but all she did was reiterate that I just need to make sure it stays at $0.00 for 30-60 days with no further activity. So, I guess it's just a matter of patience as the account gets closed, and hopefully that solves our issues!