Payday Loan Consolidation

So I have enrolled in Langhorne debt solutions and have found them to be VERY helpful so far. My problem has been with my bank. I closed my checking account but they keep telling me it is open for 60 days after closing to make sure everything gets pulled. Then I called to put an ACH Block on because Langhorne told me that this will keep the payday loans out. The bank is ridiculous they say it takes 24-48 hours to go through. Has anyone else ever experienced such nonsense in trying to close an account to keep payday loan creditors out?!