<prompt> Human: I want to close my wells fargo account that Ive had for 10 years. Its had overdraft protection the whole time. Would this put a big dent to my credit score if I were to cancel it?  <response>: None at all. Checking accounts have nothing to do with your credit history. Credit is about who is willing to lend you money and how good you are at returning it, your checking account is and has always been your money, so its not factored into your score at all. 