Okay I was confused but yea you said close account.

Ally has been far to me (no physical locations) but if I can have one less bank it’ll be cool.

May decide to keep it open with a small balance and then see if I can live directly with using cashapp.

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You should be able to use bitrefill to load gift card codes in apps to live and get gas. As well as travel. I'm using my credit cards and paying them off with bill pay from strike. Allowing me to link to strike like a bank with their routing and account number.

Yea that would probably be my issue as I use credit cards as well as Zelle a lot as my wife and I transfer a lot with Zelle between each other.

And yea bill pay would be cool but yea they denied me.