To close your current bank account, the general steps are:
- Ensure your account has a zero balance—transfer out or spend all funds and clear any overdraft. Also, cancel or redirect any automatic payments linked to the account
- Depending on your bank, you may be able to close the account online or via a mobile app by selecting the account and choosing "Close account," then confirming the closure
- If online closure is not available, you can usually close your account by contacting customer support via phone, email, or secure message, or by visiting a branch in person with valid photo ID
- When closing in person or by phone, the bank will verify your identity and may ask for instructions on where to transfer any remaining funds. They may also ask why you want to close the account
- After closure, the bank will send you a final statement and confirmation that the account is closed. Make sure to download or save any statements you need before closure if you lose online access
- Note that some banks do not allow closing your last transaction account online; in that case, you must visit a branch or call to close it
- Banks typically require reasonable notice before closing accounts themselves, but you as a customer can initiate closure at any time following the above steps
In summary, to close your current account, zero the balance, cancel automatic payments, then either close it via your bank’s app or internet banking if available, or contact the bank by phone, email, or in person with ID to request closure
