How to Close TrustCo Bank Account?

For any reason, if you have decided to close your bank account. Then this guide will help you out with the steps that you need to know. Along with the steps I have mentioned few more things that you should know and keep in mind. This guide has been written by keeping the people who hold an individual account. So if you hold a joint bank account then read this linked guide. By following the instructions mentioned in this guide you will be easily able to close TrustCo Bank account.

Before you think of starting the process there are few things you should know. The first thing is the bank will not allow you to close the account if you have any dues pending or a negative balance. So in case you have any then first take action to clear all those. If you don’t know the reason why there is such a balance in the account. Then you can contact the bank and the support team will be able to help you out in this matter. But make sure to clear all the pending dues in your account before you approach the bank to close it.

The next thing is before you close down your existing account. You have to make arrangements for your alternative bank account. This is very important because once the bank starts the process of closing your account. You can not use it for any kind of transaction. So to make sure you don’t lose access. You have to make arrangements for an account with any other bank that is operating in the United States. If you already have an account with another bank then there is no need to open a new one. If not then get a new account for you.

About TrustCo Bank

Logo of TrustCo Bank

TypePublic
Founded1902
HeadquartersGlenville, New York, United States
Number of Locations140+
Official Websitewww.trustcobank.com

Steps to Close TrustCo Bank Account

Steps to Close TrustCo Bank Account

You can not close the bank account online so you will have to follow the offline method which is explained below in this guide. Please make sure that you don’t send anyone from your friends or family to the branch of the bank. Because only the customer who owns the account can request the closure. But in case you really can not reach the bank by yourself. Then speak with the customer support of the bank tell them about it. The support team will help you out with some other ways.

Steps to Close TrustCo Bank Account:
  1. Locate the nearest branch of TrustCo Bank near you.
  2. Collect your passbook, debit cards, unused cheques, and any identity proof document with you.
  3. Visit the branch of the bank and got to the customer helpdesk.
  4. Speak with the bank officials.
  5. Tell the officials that you want to close your bank account.
  6. Provide your name and bank account number to help the officials locate your account.
  7. Collect an account closure request form from the officials.
  8. Check your bank account balance and make it zero.
  9. Fill, sign, and submit the account closure request form to the bank officials.

How to Contact the Bank?

If you want more information then you can reach the support team of the bank by calling them over the phone, using the official website, and even by messaging the bank on its official social media profile.

Contact Details of TrustCo Bank:

Conclusion

This is how simple it is to close your account. In case you don’t get the account closure request form at the branch. Then you can submit a handwritten or typed request to the bank as well. Just make sure that the written request has the signature of the customer who owns the account. In some cases, the bank might even charge the account closing charges. This depends upon the type of your account and various other factors. So to know exactly if you have to pay or not I recommend you to contact the bank directly.

References Used:
  • https://en.wikipedia.org/wiki/TrustCo_Bank
  • https://www.trustcobank.com/page/contact-us-27.html

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Legal Information

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