I bet AT&T may disagree.
I was told you cannot close an account, ever, for merchants. When you "close" it, you only essentially tell the bank that you no longer want to get statements, and they will stop charging you the monthly maintenance fee. Also, if you do write a check after "closing" the account, they will deny the payment (I guess that is bank dependent) but in all cases you will be charged an overdraft fee. Once you open an account, it will be there for life and even through death it will be passed to your heirs.
They apparently have no mechanism to filter an incoming electronic debit request when the account is closed because they keep the account number in their logs. Closing an account is not "deleting" an account.
The Moto-X changed that. It feels smoother than my wife's iPhone 6+ (she has almost no apps installed other than those that came with the phone), gesture controls are actually very useful and well thought out and Motorola phones don't have as much crapware as other Android phones (still more than iPhone though). My wife still beats me with battery life (she charges her iPhone every 2-3 days if she thinks about it) but the Moto-X 2nd gen lasts a full busy day and I am perfectly happy with that (I must add that I am on 4G all day, I have unlimited data and do not connect to my employer's wifi neywork). My wife's iPhone 6+ skips briefly when you rotate a video from vertical to horizontal, my Moto-X does not (on the same program). That was a surprise.. The Moto-X definitely made me a qualified Android fan. Everything happens instantly, the phone has never crashed or needed rebooting in the month since I have had it. Finally, Motorola phones stay in your hand better than any other and don't hit the pavement as much because of the texture on the back. Talk to somebody who owns one.
You could do much worse than get a Moto-X 2nd gen.
Computers don't actually think. You just think they think. (We think.)