If you’re like most people, you probably rely on your ZIP pay account to make payments and manage your finances. But what if you need to cancel it? ZIP pay is a type of direct deposit that lets you make payments directly from your checking or savings account. But like all bank accounts, ZIP pay accounts have terms and conditions that must be met in order to keep them active. Here are the basics: If your account is inactive for more than 60 days, the bank may close it automatically. And if you don’t use your account for at least 12 months, the bank may also close it without warning. So if you need to cancel your ZIP pay account, make sure you do it before it’s too late! ..