When drafting a letter to request the closure of an overdraft account, clarity and politeness are essential. Clearly state the account details, reason for closure, and any necessary authorizations. Ensure all required documents are enclosed with the letter to expedite the process.

Table of Contents:

Sample Letter for Closing Overdraft Account

The Branch Manager,
____________ (Name of the bank)
____________ (Branch Address)

Date: __/__/____

Subject- Closure of the overdraft account (OD account number)

Respected sir,

I, ____________(Name) holding a ____________ (Overdraft) account in your branch. I am writing this letter to request you to close my ____________ (Over draft) account bearing account number ____________ (Account number). The reason for closure is due to ___________ (reason for account closure).

Details of the account are mentioned below:
OD Account number: ____________
Name of the Branch: ____________

I hereby also authorize you to debit charges related to OD account as per bank norms.

As per bank requirement, I am enclosing ___________ (Account closure form, KYC, other documents if applicable) with the application.

Thanking you

Kind regards,
____________ (Name)
____________ (Address),
____________ (Contact Number)

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  • What is an overdraft account closure letter?
    • An overdraft account closure letter is a formal request to the bank to close the overdraft facility associated with a customer's account.
  • Why might someone want to close their overdraft account?
    • Reasons for closing an overdraft account can vary, including changes in financial circumstances, dissatisfaction with the service, or the need to reduce financial liabilities.
  • What documents should be enclosed with the closure letter?
    • Enclosures typically include an account closure form, Know Your Customer (KYC) documents, and any other forms required by the bank.
  • Can charges be debited from the account during closure?
    • Yes, the account holder may authorize the bank to debit any charges related to the overdraft account closure as per the bank's norms.
  • How should the letter be addressed?
    • The letter should be addressed to the branch manager of the bank where the overdraft account is held, ensuring it reaches the appropriate authority for processing.

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