There are no big hard steps that you need to take to close a bank account. The process is very simple. But still, people feel it is a difficult thing. In this guide, I will tell you in a very simple way how you can close AccessBank Texas account.
There are a few things you should take care of before you approach the bank. I will tell you about those things one by one in this guide.
I don’t recommend people to close the account online. But I highly recommend following the offline method. The reason is if there are any issues then those can be solved at the branch but not online.
The first thing you should check on is the balance you have in your account. There should be no negative balance in the account.
If you have any then take steps to clear those. Because the bank will not allow you to close the account until you clear all the pending dues.
The next very important thing is. Once the account is closed all the payments that are running on your account will start failing.
So you should cancel all your automatic payments and direct deposits from the AccessBank Texas account. And set them up with your alternative bank account.
If you have an alternative account with you then that is great. But in case if you don’t have. Then choose a good bank for you and get an account opened.
Steps to Close AccessBank Texas Account
If you hold an individual account with the bank. Then you can follow the steps explained below. But in the case of a joint bank account, please refer to this linked guide.
- Locate the nearest branch of AccessBank Texas near you.
- Take your passbook, unused cheques, debit cards, and 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, bank account number, and the reason for the closure.
- Provide the details and show them your identity proof document.
- Make your bank account balance zero.
- Collect an account closure request form.
- Fill the form, check it, sign it, and submit it to the bank officials.
Conclusion
The account can not be closed instantly after you submit the form. It will take around one full working day. So keep your calm. And in case you are closing the account too early. Then the bank may ask you to pay the account closing charges.