How to Close a Current Account in Ellaquai Dehati Bank
It is usually seen that if someone opens a bank account, he/ she rarely closes it & the account remains opened with the bank for a very long time. Now-a-days, as majority of banks have started operating through an Online Platform, there is hardly any need to close the bank account in normal situations.
Nevertheless, there could be multiple reasons to close a bank current account such as:
- Unsatisfactory Customer Service
- Bad Relationship with Bank Staff
- Having Multiple Bank Accounts
- Inaccessible Branches
- Bank is not providing Online Services properly
- Higher Fees & Charges on Financial Transactions
In order to close your current account, you may be interested to know how to close bank Current Account? It seems tedious but it's very easy to get your account closed, you just need to follow a few steps for the same.
How to Close Ellaquai Dehati Bank Current Account?
If you have a current account with bank and interested to know how to it then following are the steps will have to follow,
Step 1: Visit Bank Branch
You need to visit your bank's branch to initiate the account closure process. You will need to bring the following items,
- Identification proof: A valid ID document like PAN, Aadhaar, passport or driver's license
- Address proof: A recent utility bill, GST certificate or rental agreement
- Cheque leaves and passbook: You need to surrender all your unused cheque leaves and your passbook
Step 2: Fill up the Account Closure Form of Bank
In order to close your bank account, the first step is to fill up an Account Closure Form. You can download it from bank's website or alternatively, you can visit your branch, get the account closure form and fill it up properly. After that you need to sign it and submit it to the branch manager/ officer-in-charge. Please note that if there is/ are any joint holder/s in your account, all need to sign the account closure form.
Step 3: Attach your KYC Documents
All the holders of the account need to attach a copy of KYC documents i.e. a copy of PAN, which also serves as your proof of identity and a proof of address to the account closure form. The account holders may also be asked to self attest these documents.
Ellaquai Dehati Bank Current Account KYC Documents Required.
Step 4: Surrender Balance Cheque Leaves and Passbook
You need to surrender your Balance Cheque Leaves, if any and the Passbook. Your account closure application is taken for processing only after you have surrendered all these items.
Step 5: De-link the Account
If you use your current account for investments, loans, trading, credit card payments, deposits, NACH mandates or standing instructions, you need to de-link the account before closing it.
Step 6: Withdraw the Balance Amount in your Bank Account
The banker verifies the documents submitted by you and if he/ she finds all the things are correct then you are asked to withdraw the balance amount in your account. You may either take cash withdrawal or the bank issues a cheque/ DD in your favour or the amount can be transferred to another account.
Step 7: Receive Account Closure Confirmation
After you submit the necessary documentation alongwith the account closure form and completed all the above-mentioned steps, the bank will process your request and gives account closure confirmation.
If you follow above steps, you would be able to close your bank account in an easy manner. Banks generally send an email or SMS on your registered email id and mobile after your account is closed.
If you follow above steps, you would be able to close your bank account in a hassle free manner. Banks generally send an email or SMS on your registered email id and mobile after your account is closed.
Documents Required to Close the Current Account
Serial Number | Document Name | Description |
---|---|---|
1 | Account closure request form | Get the form from the bank's website or any bank branch |
2 | Proof of Address | Carry a valid Address Proof |
3 | Proof of Identity | Carry a valid ID document |
4 | Account related documents | Surrender any unused cheque leaves, Debit Card and Bank Passbook |
What to Remember Before Closing Current Account?
You should see whether your existing current account is still useful before going for an account closure. Even if you have multiple accounts, there is no need to close any old account which is having no recurring fees.
Before closing your account you should,
- Check account balance
- Check account closure charges
- Update your current contact information
- Cancel any pending transaction
- Download your bank statements since inception till date of closure
- Surrender any unused cheque leaves and debit card
Important Points regarding Closing of Ellaquai Dehati Bank Current Account Current Account
- For closing your account, you need to visit that branch of the bank where you had opened the account.
- One should close the account only if he/ she really doesn't need it in future, as banks generally don't allow to re-open a closed account.
- One must save a soft copy or take a printout of full bank statement (since inception till closing of account) for the purpose of any future reference.
- Get information about account closure charges before closing the account.
- Cancel your pending instructions before closing your Current Account.
- One must clear all his/ her pending dues or charges before closing the account.
More Operations of Current Account
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