How to Close Merit Bank Account?

You have the freedom to close your bank account whenever you wish to do it. But there is a proper way to do it and also some rules of the bank. In this guide, I will tell you how you can close Merit Bank account.

Before you approach the bank you need to take care of two things. So let me first explain those two things and then we will proceed further with the process.

You will have to check your account balance and make sure that there is no negative balance in your account. In case if you have then you will have to clear it first.

After that, you will have to take care of all your automatic payments and direct deposits. Because once your account is closed all your payments will start failing.

To avoid this you can move all your payments to your alternative bank account. You should take special care about this because the bank won’t do it for you.

In case if you already have an alternative account with you then that is great. But in case if you don’t have one then I highly recommend you to open a new one.

And this should be done before your existing account is closed. There are so many banks in the United States of America to choose from.

So if you need help in choosing your next bank. Then you can refer to this list of questions I have prepared. Ask these questions to the bank.

And based on the answers you receive. You will be easily able to decide if you should open an account with that particular bank or no.

Due to the low success rate, I do not recommend you close the account online. So I have explained an offline method of doing it below.

Steps to Close Merit Bank Account

Close Merit Bank Account

If you hold an individual account with the bank then you can follow the steps explained below. But in case if you hold a joint account. Then refer to this linked guide.

Steps to Close Merit Bank Account:
  1. Locate the nearest branch of Merit Bank near you.
  2. Take your passbook, unused cheques, debit cards, and identity proof document with you.
  3. Visit the branch of the bank and go to the helpdesk.
  4. Speak with the bank officials and tell them that you want to close your account.
  5. The officials will ask for your name, account number, and the reason for the closure.
  6. Provide them the details and show them your identity proof document.
  7. Bring down your account balance to zero.
  8. Collect an account closure request form.
  9. Fill the form, check all the details,  sign it, and submit it to the bank officials.

How to Contact the Bank?

If you want more information regarding the account closure. Then you can directly contact the bank. You can do it by calling customer service and the help of the bank’s official website.

Contact Details of Merit Bank:

Conclusion

Your account will not be closed instantly it can take up to 2 business days. So co-operate with the bank for this. And 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.

Want to Close any Other Bank's Account?
Other Banks in the United States of America:
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