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Ask the bank...
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You must make sure that you can close it without penalty. Some accounts need to pay to close when you haven reached a minimum period of time after you open that account.
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No diff
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No much different...
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Cons - troublesome. No real downside really unless there is a penalty. Bank accounts are easier to open than credit card, unless it's one of those high networth bank account where you need to fulfil minimum deposit requirements.