Bank Account Cancellation Letter
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Bank Name]
[Bank Address]
[City, State, ZIP Code]
Subject: Request for Bank Account Cancellation
Dear [Bank Name] Customer Service,
I am writing this letter to formally request the cancellation of my bank account, [Account Number], which is held at [Bank Name]. I kindly request that you process the closure of this account as per the terms and conditions outlined in the account agreement.
Please find the necessary details pertaining to my account closure:
Account Holder's Full Name: [Your Full Name]
Account Number: [Your Account Number]
Date of Account Opening: [Date of Account Opening]
I have ensured that all outstanding transactions and pending payments have been cleared from my account. The account balance is currently [Account Balance, if applicable]. I understand that any remaining balance will be disbursed to me as per the bank's standard procedures.
Kindly confirm the closure of my account and provide me with a written confirmation letter once the cancellation process has been successfully completed. You may send the confirmation letter to the following address: [Your Address], or you can email it to me at [Your Email Address].
I would like to take this opportunity to express my gratitude for the services I have received during my association with [Bank Name]. While I have chosen to close my account, I have been satisfied with the banking services provided.
Thank you for your prompt attention to this matter. Should you require any additional information or documentation from me to facilitate the account closure process, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address].
Sincerely,
[Your Full Name]
[Your Signature (if sending a hard copy)]
[Date]
(Note: Be sure to adapt the letter to your specific situation and address format. Always check your bank's policies for account closure procedures and any specific requirements they may have.)
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Bank Account Closure Due to Relocation
Subject: Request for Bank Account Closure
Dear Sir/Madam,
I am writing to formally request the closure of my bank account number [Account Number] held at your branch [Branch Name]. Due to my relocation to [City/State], I will no longer be able to operate this account.
Please process the closure at the earliest and transfer any remaining balance to my account [New Account Details] or issue a cheque. I have enclosed my passbook and cheque book for your reference.
Thank you for your assistance.
Sincerely,
[Your Name]
[Contact Information]
Bank Account Cancellation for Inactive Account
Subject: Request for Closure of Inactive Bank Account
Dear Branch Manager,
I request the closure of my inactive account [Account Number] with your bank. As the account has not been used for [Duration], I wish to close it and settle any remaining balance.
Please confirm the account closure and send me a final statement. Enclosed are all related documents for verification.
Sincerely,
[Your Name]
[Address / Contact Number]
Bank Account Cancellation Due to Unsatisfactory Services
Subject: Closure of Bank Account Due to Service Issues
Dear Sir/Madam,
I wish to close my account number [Account Number] at [Branch Name] due to repeated unsatisfactory experiences with the bank services. Kindly process the closure and transfer the remaining funds to my account [Details] or issue a cheque.
Please confirm the closure once it has been processed. I have returned my passbook and cheque book along with this letter.
Sincerely,
[Your Name]
[Contact Information]
Bank Account Cancellation Upon Job Change
Subject: Request for Account Closure
Dear Branch Manager,
I am writing to request the closure of my bank account [Account Number] as I have recently changed my employment and no longer require this account. Kindly transfer any remaining balance to my new account [New Account Details].
Enclosed are my passbook and debit card for necessary action. I request confirmation once the account has been successfully closed.
Thank you,
[Your Name]
[Contact Details]
Joint Account Closure Letter
Subject: Closure of Joint Bank Account
Dear Sir/Madam,
We, the undersigned, request the closure of our joint bank account number [Account Number] at your branch. Both account holders have agreed to close the account, and we request the remaining funds be distributed as per attached instructions.
All relevant documents including passbook and cheque book are enclosed. Please confirm the closure once processed.
Sincerely,
[Account Holder 1 Name]
[Account Holder 2 Name]
[Contact Information]
Bank Account Cancellation Due to Switching Banks
Subject: Request for Account Closure
Dear Branch Manager,
I have decided to consolidate my banking with another bank and request the closure of my account number [Account Number]. Kindly transfer the remaining balance to my new bank account [New Account Details].
I have enclosed the passbook and debit card for your reference. Please send a confirmation once the closure is complete.
Sincerely,
[Your Name]
[Contact Details]
What is a Bank Account Cancellation Letter and Why You Need It
A Bank Account Cancellation Letter is a formal communication sent by a customer to the bank requesting closure of their account.
Reasons for writing:
- Relocation to another city or country
- Job change or change in banking requirements
- Dissatisfaction with bank services
- Account inactivity or consolidation of accounts
Who Should Send a Bank Account Cancellation Letter
- Individual account holders
- Joint account holders (all parties must sign)
- Authorized representatives with proper authorization (Power of Attorney)
Whom to Address the Bank Account Cancellation Letter
- Branch Manager or Head of the branch where the account is maintained
- Customer service department for online submissions
- Official bank email or postal address for account closures
When to Send a Bank Account Cancellation Letter
- When permanently relocating or no longer needing the account
- After settling all dues and withdrawing remaining funds
- Prior to joining a new bank to avoid overlapping services
- Upon dissatisfaction or service issues requiring formal closure
How to Write and Submit a Bank Account Cancellation Letter
- Clearly state the account number and reason for closure
- Include instructions for remaining funds (transfer to another account or cheque)
- Attach relevant items like passbook, cheque book, and debit card
- Maintain a polite and professional tone
- Submit via in-person delivery, registered post, or official email depending on bank procedures
Requirements and Prerequisites Before Writing
- Account balance should be settled (no pending debits or loans)
- Return of bank-issued items: passbook, debit/credit cards, checkbooks
- Identification proof for verification
- Joint account holders’ signatures if applicable
Formatting Guidelines for Bank Account Cancellation Letter
- Tone: formal and professional
- Length: 100–200 words, concise and direct
- Elements: subject, greeting, reason, instructions for remaining balance, closing
- Attachments: passbook, debit/credit cards, checkbooks
- Mode: written letter, registered mail, or secure email
After Sending the Bank Account Cancellation Letter
- Request a written confirmation or acknowledgment from the bank
- Follow up after a week if no response is received
- Retain copies of the letter and bank correspondence
- Ensure all linked services (standing instructions, auto-debits) are cancelled
Common Mistakes to Avoid When Cancelling a Bank Account
- Failing to mention the account number clearly
- Neglecting to return bank-issued items
- Using informal or aggressive language
- Omitting instructions for remaining balance
Elements and Structure of a Bank Account Cancellation Letter
- Subject line clearly stating account closure
- Polite greeting to the bank or branch manager
- Reason for closure
- Instructions for remaining balance
- Declaration of returned items (passbook, debit cards, etc.)
- Closing statement with signature and contact information
Tips and Best Practices for Bank Account Cancellation
- Be concise but clear with instructions and reasons
- Confirm all pending transactions are cleared before closure
- Include all account holders’ signatures if joint
- Request official acknowledgment for record-keeping
- Use registered or official email for tracking purposes
