The customer who wishes to close his bank account has no justification to give. But it must still meet a formality: sending a closing letter requesting bank account. which here a free template and freely usable if you have to write this type of mail.
Process and procedures
The steps to follow are provided in the account agreement. In most cases, the customer must send his bank a letter in which he informed the bank of his decision. This document must be made by registered mail with return receipt.
You will also need to restore the bank any checkbooks and credit cards at your disposal.
Credit and debit
If the account is in credit, the amounts credited to the account shall be paid to him by the bank. If the debtor , the customer must pay the amount due before closing his account.
Transfers and direct debits
Upon receipt of the termination letter, the bank canceled the transfer orders or direct debits . If the customer wishes to change bank , it must, in principle. perform certain additional procedures to transfer their transfers and withdrawals from the account closed to the new account.
Closing your account may not be immediate. Most often, banks expect a notice period of one month between sending mail and the effective closure of the bank account.
Example account closing letter
Name – Name
Postal Code – City
Attn Sir / Madam
(if the recipient is known)
ZIP – City
Registered letter with acknowledgment of receipt Subject: Closure of bank account Account number: (Account number to close) PJ: RIB (If applicable) (city) on (date) Dear (Or only “ma’am” or “Sir” if civility recipient is known) I would like hereby to inform you of my desire to close my bank account number (Bank account number) as soon as possible / dated ( a fit). If your account is in credit: to this end, thank you to proceed, dated (if applicable), the transfer of the balance on the bank account No. (the account number where to transfer the balance), for which you will find attached, a Bank account. If your account is in debit: My account being debtor of (X) euros, please find attached the check for payment of this amount to pay me the amount due. in addition, I would appreciate you tell me if any other provisions required for the consideration of my request. I remain of course at your disposal to render you the credit card and checkbook associated with this account. thanking you in advance of the processing of my application, please accept, Dear (or just “Mrs.” or “Mr.” civility if the recipient is known) expressing my greetings distinguished.