A bank account is a very important thing for us these days. But sometimes we also have to close it. In this guide, I will tell you how you can close SmartBank account.
The process that you have to follow is very simple and straightforward. But then before you approach the bank there are two things that need to take care of.
The first thing is you need to make sure that there is no negative balance in your account. In case if you have any then you will have to clear those.
And the second thing about the automatic payments and direct deposits that are running in your account. All the payments will start failing once your account is closed by SmartBank.
But don’t worry there is a way to avoid the failure of payments. You can move all your payments to your alternative bank account.
If you already have an alternative account with you then that is great. But if you don’t have it. Then I highly recommend you to open one before you close the existing one.
There are so many banks in the United States of America. You can choose the one which you feel is the right one for you. And get the account opened.
If you have confusion or facing issues in choosing your next bank. Then you can refer to these questions that you should ask the bank before opening an account with it.
Based on the answers you receive from the bank. You will be able to decide if you should open an account with that particular bank or not.
I don’t recommend you close the account online because of the low success rate. Instead of that, you can follow the offline method that is explained below.
Steps to Close SmartBank Account
If you hold an individual account with the bank then you can follow the steps mentioned below. But in case if you hold a joint account then follow the linked guide.
- Locate the nearest branch of SmartBank 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, account number, and the reason for the closure.
- Provide the details to the officials 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 bank officials.
How to Contact the Bank?
If you want to contact the bank then you can do that by calling the customer service of the bank. And also with the help of the official website of the bank
- Official Website: www.smartbank.com
- Phone Number: 1-866-290-2554
Conclusion
This is how simple it is to close an account that you no more want to have. But then you should also keep in mind that if you are closing an account too early after opening it. Then the bank may ask you to pay the account closing charges.