If you have a bank account that you are not going to use anymore. Then the best thing you can do is close it. In this guide, I will tell you how you can close 22nd State Bank account.
The process that you have to follow is very simple. But I do not recommend closing the account online because of the high rejection rate by the banks. Instead of that, you can follow the offline method that is explained below.
But before you approach the bank and request it to close the account. There are two things that you need to take care of regarding your account.
The first thing is you need to make sure that there is no negative balance in the account. If you have any dues or negative balances then you will have to clear those.
The second thing is all your automatic payments and direct deposits will start failing once your account is closed. So you will have to move all your payments to your alternative bank account.
This will help you to ensure that all the payments are running without any issues. And at the same time it will also help you in smooth transition from old account to new account.
If you already have an alternative account with you then that is fine. But in case if you don’t have then I recommend you open one before you close your existing account.
There are so many banks in the United States of America to choose from. In case you need help in choosing the right one for you. Then you can refer to this list of questions you can ask the banks.
Steps to Close 22nd State Bank Account
If you hold an individual account with the bank then you can follow the steps mentioned below. But in case if you hold a joint account then refer to this linked guide.
- Locate the nearest branch of 22nd State Bank near you.
- Take your passbook, unused cheques, debit cards, and an identity proof document with you.
- Visit the branch of the bank and go to the helpdesk.
- Speak with the bank officials and tell them that you want to close your account.
- The officials will ask for your name, account number, and the reason for the closure.
- Provide them the details and show them your identity proof document.
- Bring down your account balance to zero.
- Collect an account closure request form.
- Fill the form, check it, sign it, and submit it to the bank officials.
Conclusion
This is the complete process that you have to follow in order to close your 22nd State Bank account. But you also have to keep in mind that if you are closing the bank account too early after opening it. Then the bank may ask you to pay account closing charges.