I don't know exactly how this works, but here are my thoughts. I had an Ultimate Savings Account I didn't use with $0 balance. After a while, they closed it because of that fact. However, that account did not disappear from my online view and I was told there's no way of getting rid of it. So it's still visible. Right now I have four Ultimate Savings Accounts, including the closed one. So if U can't get rid of them, I don't know if it makes sense to close them. That just might bring more attention to you. And yes after a while it will look funny that you have multiple accounts of the same type, especially those with $0 balance on them. And maybe that's what is gonna trigger an audit of some sort and is gonna generate restrictions. I don't really know. But of course if this is done more frequently there's a bigger chance of bringing attention to yourself. YMMV.