Banks need people like me and you and we need banks. We all are depended on each other. But if you have a bank account that you need no more. Then you can ask the bank to close it. In this guide, I will tell you how you can close UnionState Bank account.
The process you have to follow is very simple. But I don’t recommend closing the account online. Instead of that, you can follow the offline method that I have explained below. The reason is banks usually reject the request online and so the success rate is less.
Before you approach the bank and request it to close your account. There are two things to be taken care of. The first thing is you have 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.
The second thing is your automatic payments and the direct deposits that are running on your account should be taken care of. All the payments start failing once your account is closed. So to make sure everything is running fine you have to move your payments to your alternative bank account.
If you already have an alternative account with you then that is fine. But in case if you don’t have it. Then I highly recommend you to get one opened before closing your existing account. There are so many banks in the United States of America to choose from.
Just choose a bank that you feel is good for you and get your account opened. And if you need help in choosing your next bank. Then you can refer to this list of questions that you should ask the bank before opening an account with it. The answers you receive from the bank will help you decide if you should go with that bank or not.
Steps to Close UnionState Bank 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 refer to this linked guide. Because the steps for closing a joint account are a little different.
How to Contact the Bank?
Another reason why I recommend you close the account by visiting the branch is. If there are any complications with your account. Then you can get them cleared offline when you are at the branch. But not online. And you should also know that if you are closing the account too early after opening it. Then the bank may ask you to pay the account closing charges.