Being a customer of the bank you have the right to close your account. But there are a few things you should take care of. I will tell you about this in this guide. And along with that, I will help you out with the steps to close Independent Bank account.
The first thing you need to make sure that there are no pending dues or negative balances in your account. If you have any then you will have to clear those before approaching the bank. This is because the banks do not allow the customers to close the accounts with pending dues.
And the second thing is about the payments that are running on your bank account. You have to cancel all your automatic payments and direct deposits. Because once the account is closed all your payments will start failing. You can set them up with your alternative bank account.
If you already have an account with another bank then that is fine. But in case if you don’t have. Then I recommend you get a new account opened before you close the existing one. If you need help in choosing your next bank in the United States, then read this list of questions.
Steps to Close Independent Bank Account
I do not recommend you close the account online, instead follow the offline method explained below. If you have an individual account with the bank, then follow this guide. And in case if you have a joint bank account, then you can refer to this linked guide.
How to Contact the Bank?
You can reach out to the bank’s customer service for more information. But 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.