The Letter Pilot

Bank Account Closure Letter Template

Use this bank account closure letter template when a bank requires a signed written request to close a checking or savings account. It gives the bank your account details, forwarding instructions, and a clear request for written confirmation.

Business · Updated September 27, 2026

Bank Account Closure Letter Template

Replace the bracketed details with your own. Copy or download the letter to edit it.

BANK ACCOUNT CLOSURE LETTER [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] [Date] [Bank Name] [Bank Mailing Address] [City, State, ZIP Code] Re: Request to Close Bank Account Account holder: [Your Name] Account type: [Checking/Savings] Account number: [Last four digits or partial account number] Dear [Bank Name or Account Services Department]: I am writing to request closure of the bank account listed above. Please close this account effective [requested closure date] and stop any future account fees or activity after closure. Please send any remaining balance by [check / transfer to account ending in ____ / other instruction]. If additional information or identity verification is required, please contact me at [phone number] or [email address]. Please also send written confirmation when the account has been closed. Thank you for your assistance. Sincerely, [Your Signature] [Your Printed Name] Enclosures: - [Copy of identification, if required] - [Bank closure form, if required]

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Before you start

A bank account closure letter should identify the account, request closure, explain where remaining funds should go, and ask the bank to confirm the account is closed. Best for: banks that require a signed closure request. Include: account holder name, partial account number, contact details, and forwarding instructions. Mail it when: you need proof the closure request was received.

When to Use This Bank Account Closure Letter Template

  • Closing an old checking account
  • Closing a savings account after moving banks
  • Requesting a mailed check for remaining funds
  • Creating a written account closure record
  • Following bank instructions for signed requests
  • Stopping future account fees

Example wording

Example: closing a checking account

Fictional example: Dear Account Services, I am Alex Morgan, and I request closure of my checking account ending in 4821 on October 1, 2026. Please send any remaining balance by check to my mailing address on file. Let me know if you need additional verification or another step before closing the account. Please send written confirmation once it is closed. You can reach me at alex.morgan@example.com. Thank you, Alex Morgan.

How to Use This Bank Account Closure Letter Template

  1. Confirm bank requirements. Check whether your bank requires a signed letter, branch visit, form, notarization, or identity document.
  2. Identify the account. Use the account holder name and a partial account number instead of exposing the full account number unnecessarily.
  3. Give fund instructions. Tell the bank where to send any remaining balance or how to transfer it.
  4. Request confirmation. Ask for written confirmation so you have proof the account was closed.
  5. Mail with tracking if needed. Use tracked mail when fees, deadlines, or account disputes make proof of delivery important.

Mailing and Recordkeeping Tips

  • Keep a separate sender's record of the date sent, delivery method, tracking number, and planned follow-up date. Do not include these notes in the letter to the bank.
  • Use copies of supporting documents unless originals are specifically required.
  • Save the completed letter, attachments, mailing receipt, and tracking number together.

Frequently asked questions

How do I write a letter to close a bank account?

State that you want to close the account, identify the account holder and account type, include a partial account number, give instructions for remaining funds, and sign the letter.

Should I include my full bank account number?

Ask the bank what account details it requires and how to provide them securely. The template uses a partial number; do not assume the last four digits alone will meet your bank's requirements.

Can I mail a bank account closure letter?

Yes, if your bank accepts mailed closure requests. Certified Mail can help document that the bank received your signed request.

Should I withdraw my money before closing the account?

Check pending checks, automatic payments, and fees before moving the balance. Ask the bank how to handle remaining funds and complete its closure process. Sending the letter does not confirm that the account is closed.

What should I keep after mailing the letter?

Keep a copy of the signed letter, any attachments, the mailing receipt, the tracking number, and the bank confirmation.

This template is provided for general informational purposes only and does not constitute legal advice. Consult a qualified professional for advice specific to your situation.

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Mailing Sensitive Documents

Limit unnecessary personal information and keep copies and mailing records.

CFPB: closing a bank account

Check balances, pending payments, and possible closure fees.

Ready to mail your letter?

Edit your details, then choose postage and tracking.