Move your money, but don't close your account!
Here's why. Comment at NC:
Do NOT close your accounts, just cut off the flow of cash into the accounts and leave them open, languishing taking up valuable server space and costing them money to keep them operating. Let them close it whenever, but set up other accounts first, migrate cash and direct deposits second, and third leave the old accounts alone, empty. You do not have to march into a bank branch, just quietly move on. March into a credit union instead.
Yep. Why invest one second of your time helping the banksters?
NOTE And the nice thing about this approach is that you don't have to deal with the "What can we do to keep you?" script from the three-ring binder.