Will closing a checking/saving account have a bad effect on my credit report?

I want to know will this has a bad effect on my credit, etc?

Closing a checking and/or savings account should have zero impact on your credit score.

There is a risk if you close the account, and you have written a check and it hasn't been cashed yet. If that was to result in a bounced check or a debt to the bank that could impact your credit history. Also bounced checks can result in some systems rejecting your checks even from your new bank account.

I also like to know should I pay money to close my accounts?

It shouldn't cost you money unless you signed a special deal that required you to maintain a certain balance, or to keep the account open for x months. Most of these requirements are there to qualify for a special bonus or special rate, closing the account would disqualify you from the deal. Most of these deals don't pay in advance, so it shouldn't cost you money. Check the paperwork you were given when you opened the account.

Closing checking or savings accounts have zero effect on your credit report because opening/closing an account is not a reported event.

However,

If you had $20,000 in one of the accounts, withdrew it as cash to put under your mattress, and are trying to apply for a mortgage then the mortgage officer could deny your loan on the basis that you don't have enough liquid assets on record.

The same thing applies if you're in the middle of a loan application process. If your finances drastically change without explanation then you can get denied.

Note that opening and closing of checking and saving accounts in the US does appear on other reports, which banks would reference among other things when processing your future application for new checking/saving accounts.