Banks don't close a checking account temporarily as doing so is a contradiction in terms. Closing an account means the funds are refunded to the owner and the account ceases to exist. Banks sometimes temporarily suspend or freeze a checking account for reasons such as fraud prevention or legal judgments.

Frozen Accounts

Legal affairs website nolo.com indicates that a checking account is usually frozen because of judgments against you when you owe back taxes, child support or alimony. These aren't typical concerns for many young people. However, some banks briefly suspend accounts when fraudulent activity is suspected. If the bank's security systems detect what might be an unauthorized use of your checking account, it may be suspended until you call to confirm the transactions.