There are simply too many banks in the United States and also too many people need banking services. Here people have the freedom to switch to another bank whenever they want to. But it is recommended to close the unused bank accounts after switching to another bank. In this guide, I will tell you how you can close Ennis State Bank account.
Before you close your bank account there are a few things you should take care of. The first thing is there should be no negative balance in your account. If you have any then you will have to pay those. Because if you approach the bank without paying the pending dues. Then the bank will not allow you to close your account. If you need help in doing it, then you can contact the bank.
The next thing is once your account is closed all your payments will start failing. So you will have to cancel all your automatic payments and direct deposits. And set them up with your alternative bank account. This is very important because if you don’t do it. Then all your payments will start failing and it will be a mess. And you should also know that it is completely your responsibility to take care of the payments and not that of the bank. (before closing)
If you have an alternative account with you, then that is great. You can start with the closing process after moving your payments. But in case if you don’t have. Then I highly recommend you open one before closing your existing account. There are so many banks to choose from. If you need help in choosing your next bank. Then you can refer to this list of questions.
Steps to Close Ennis State Bank Account
I don’t recommend you close the account online. Instead, follow the offline method which is explained below. If you hold an individual account with the bank. Then you can follow the steps mentioned in this guide. But in case if you hold a joint bank account. Then refer to this linked guide.
- Locate the nearest branch of Ennis State Bank near you.
- Take your passbook, unused cheques, debit cards, and identity proof document with you.
- Visit the branch and go to the helpdesk of the branch.
- Tell the bank officials that you want to close your account.
- The officials will ask for your name, account number, and the reason for the closure.
- Provide the details to the officials and show them your identity proof document.
- Make your bank account balance zero.
- Collect an account closure request form.
- Fill the form, sign it, and submit it to the bank officials.
Conclusion
This is how you can close your bank account by visiting the nearest branch of the bank. The things are very easy the matter is you just need to visit the branch for one last time. But here you should also keep in mind that if you are closing your account too early after opening it. Then the bank may ask you to pay the account closing charges. This depends upon the type of your account and when you are closing it. The bank will tell you about the charges. (if any)