It is usually seen that if someone opens a bank account, he/ she rarely closes it & the account remains opened with the bank for a very long time. Now-a-days, as majority of banks have started operating through an Online Platform, there is hardly any need to close the bank account in normal situations.
Nevertheless, there could be multiple reasons to close a bank current account such as:
In order to close your current account, you may be interested to know how to close bank Current Account? It seems tedious but it's very easy to get your account closed, you just need to follow a few steps for the same.
If you have a current account with bank and interested to know how to it then following are the steps will have to follow,
Step 1: Fill up the Account Closure Form of Bank
In order to close your bank account, the first step is to fill up an Account Closure Form. You can download it from bank's website or alternatively, you can visit your branch, get the account closure form and fill it up properly. After that you need to sign it and submit it to the branch manager/ officer-in-charge. Please note that if there is/ are any joint holder/s in your account, all need to sign the account closure form.
Step 2: Attach your KYC Documents
All the holders of the account need to attach a copy of KYC documents i.e. a copy of PAN, which also serves as your proof of identity and a proof of address to the account closure form. The account holders may also be asked to self attest these documents.
Step 3: Surrender Balance Cheque Leaves and Passbook
You need to surrender your Balance Cheque Leaves, if any and the Passbook. Your account closure application is taken for processing only after you have surrendered all these items.
Step 4: Withdraw the Balance Amount in your Bank Account
The banker verifies the documents submitted by you and if he/ she finds all the things are correct then you are asked to withdraw the balance amount in your account. You may either take cash withdrawal or the bank issues a cheque/ DD in your favour or the amount can be transferred to another account.
If you follow above steps, you would be able to close your bank account in a hassle free manner. Banks generally send an email or SMS on your registered email id and mobile after your account is closed.
| Serial Number | Document Name | Description |
|---|---|---|
| 1 | Account closure request form | Get the form from the bank's website or any bank branch |
| 2 | Proof of Address | Carry a valid Address Proof |
| 3 | Proof of Identity | Carry a valid ID document |
| 4 | Account related documents | Surrender any unused cheque leaves, Debit Card and Bank Passbook |