Money and bank accounts always go hand in hand. And we need at least one account to manage our money efficiently. We just can not carry our cash everywhere. But sometimes we have to close the account. And everyone will have their own reason to do it. In this guide, I will tell you how you can close Affinity Bank account.
The thing is the process that has to be followed is very easy. But people don’t know it and that is the reason why it is felt that the closing process is difficult. But you don’t have to worry because with this guide we will explore the complete process step-by-step.
Before you approach the bank and request it to close your account. You have to prepare your account to be closed. And there are two things you have to do. The first thing is you have to check your account balance. And make sure that there is no negative balance or pending dues in the account.
If in case you have any then you will have to clear those. And the second thing is you have to cancel all your automatic payments and direct deposits. After that set up the same with your alternative bank account. This thing has to be done by you before you close your existing account.
Steps to Close Affinity Bank Account
If you have an individual account then you can follow this guide. But in case if you hold a joint account, then you follow this linked guide to close a joint account.
- Locate the nearest branch of Affinity Bank near you.
- Take your passbook, 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 and account number.
- 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, sign it, and submit it to the officials.
Conclusion
This is the offline process to close the account and works with all most all the banks in the USA. But if you want to follow the online process then contact the bank by calling the customer service. Also, keep in mind that if you are closing the account too early after opening it. Then the bank may ask you to pay the account closing charges.