An individual has the right to close his bank account at any time. If the commission for its maintenance is not charged, you do not need to do this. But in situations where you are sure that you will no longer need it, there is no point in overpaying. To carry out this operation, you just need to contact the branch of the bank where it was opened, and often - to any other.
It is necessary
- - passport;
- - an application for closing a current account or another document in the form of a bank (to be filled in at a branch of a credit institution);
- - a fountain pen.
Instructions
Step 1
Come with your passport to the bank branch and inform the teller about your desire to close the account. If a passbook, other similar document or bank card is attached to this, take them with you. All this is the property of the credit institution, which should be returned to it if the latter refuses its services.
Step 2
Most likely, you will be asked to write a statement and offered a special form.
If a commission is charged for using the account, it is better to make a copy of the completed application (if the bank does not help with this, find a copier nearby, there is usually no shortage of such services) and ask to make a mark of acceptance on it. There are cases when a bank “forgot” to close an account or another product, for example, a card. And then after some time, when a larger amount was accumulated, he began to demand its return. And it was difficult for the former client to prove his case.
Step 3
At the end of all the formalities, the bank employee will verify the application with your passport, take away the bank documents attached to the account (passbook and the like; your copy of the account service agreement and the annexes to it remain with you) or a bank card, if any.
If there is any money left on it, the bank must give it to you in cash through the cashier or transfer it to another account, including in a third-party bank. In practice, he usually credits small amounts to his income. If there is a debt, before closing the account, he will have to pay off by depositing money at the bank's cashier, through an ATM or transfer from a third-party credit organization or from another account in the same one.
