Most of these steps in this Consumerist article
should be known to readers of this blog. The article targets active checking accounts which require some care to avoid problems with automatic payments. One complication is step 6 in which gives the instructions to "electronically transfer the final funds from your old account into the new account." Many banks don't offer a free electronic transfer service. This is one reason to have an internet bank like Ally or ING which makes it easy to initiate free ACH transfers.