How to close the account so that the bank realized that it's over between you
Get Rich / / December 20, 2019
If you stop using the services of the bank, it does not mean that you have nothing to each other should not. The Bank can send messages, make calls and use your personal data until you complete relationship with him according to the rules. Algorithm of actions - in this article.
Banks are constantly offering new products. To issue a new card, as a rule, simple and fast. But with the closure of the account, things are a bit more complicated.
If you find better conditions in other banks, do not rush to throw out the old card. Check out the financial relationship with the bank is necessary on a bilateral basis, simply stop using your card is not enough. Even if the account balance is zero, and even more so if there is money or debts.
I think many have encountered a situation where a bank like services you have not used, but the new proposals messages continue to come. Irritating? But that's not the worst thing that can happen.
If you do not close the account officially in due course on it may have debts: service, commission, automatic re-release
kart - yes you never know what will come up with the bank a few months. All this, of course, will be at your expense. And if the score was still and the credit, then it will all be charged commission.Plus the fact, that bank employees will be hard enough to notify you on the phone about your account, which you have not used. Yes, and the phone can be changed when you already forget about linking to it the old account.
To properly close the account, follow this algorithm.
Algorithm closing a bank account
You must ensure that you do not owe the bank, and he - you. After that you should notify the bank about its desire to terminate the service contract and receive a written confirmation. Do not forget to make sure that the bank has destroyed your personal data.
Step 1: Select the time to visit the bank
The first thing to bear in mind that closing an account will require your personal presence at the bank. Remotely it is almost impossible to do. And one visit is usually not get off. Therefore, choose a comfortable room and time, take your passport and credit cards associated with the account, and go to the bank.
If possible, please contact the office where you open an account. Least queue time can often be found in the office or in the call center.
Possible catch: most of the banks are allowed to close the account at any branch, but to not to waste time, call in support and clarify this point.
Step 2: Reset the account balance
If the account were some means, move them to another account in the Internet bank or remove the ATM. In any case, for the remainder of the bank you will be sent to the cashier. But prepared, you can save time.
Step 3: Write the application for account closing
The bank you will need to write a statement on the closure of the account. Closing an account does not occur instantaneously. If the card is linked to it, the deadline may be up to 60 days. Not too likely, but possible pitfall: if the account there will be surgery during this time, you will have to repeat steps 1-3.
Step 4: Get an official confirmation
Do not be lazy to go to the bank again for an official confirmation that the account is closed, and the bank has no claims to you. Perhaps the staff and raise his eyebrows in surprise, but the paper write. It will protect you in case of disputes in the future.
Do not be lazy and do not hesitate to ask in the bank all confirmed in writing, even if the employee claims that you are the first who need it.
Step 5: Take care of the destruction of personal data
Most likely, at the conclusion of the contract you gave the bank the right to collect, organize, store, update, update, modify, use, transfer and disposal personal data. If you do not file an application for review of that authorization, even after the closure of the account according to the rules (steps 1-4), the bank may keep you informed about new products via SMS and phone calls. Now you have to prohibit the bank to use your personal data.
Sample application to review the personal data you can easily find on the web. Print three copies:
- First you need to be sent to the registered address of the bank, attaching a copy of the passport and (if applicable) a copy of the contract with the bank;
- the second - to give the department where you have concluded the contract;
- the third - to leave with all the signatures and seals itself.
If you do not owe the bank (step 4), then call and send you an SMS bank should stop. In this step, you fully complete the relationship with the bank on the account.