Clipping of news on Brazilian Culture, Law and Citizenship
23/05/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Often consumers want to close your account, but the lack of time and even ignorance make many accounts are inactive creating future problems. But how to know if it was done right? The series "Procon Answer" brings answers to the most frequently asked questions when it comes to closing current account.
1 - When I close my account?
R.: Anytime the consumer can request the closure of your account, but formalizing the request in writing using the form provided by the bank itself or through writing itself, always remembering dating oe sign.
Do not forget to request a return receipt (by the bank) the request for waxing account.
2 - To terminate the account, I have to go to my agency?
A.: No. The form for account termination should be available at any branch. If negative, make a complaint at Procon your state of residence and the Central Bank.
3 - I have to provide any documents to close the account?
R.: The client must present an identification document, and return all sheets of checks and cards to the bank, not forgetting to include the closure request, everything is being returned.
4 - What other procedures should I take to not have future problems?
A.: It is essential to check whether all debts authorized and issued checks have already been launched in the account; cancel permits for future debits (water bills, telephone, insurance, etc..) And maintain sufficient balance to pay previous commitments to close the account because it is necessary settle all debts with the bank.
5 - The Bank may refuse to close my account if I have a debt to him?
R.: The bank is not required to terminate the account, while the client has debts with the financial institution, but you can try a negotiation for the payment to be done so piecemeal, through a bank, for example, that account is closed.
6 - The bank may charge a fee even if I do not use over the current account?
A: When checking an account that is no spontaneous movement for ninety days, the bank will issue a warning about this situation, stating that, regardless of this fact, the collection of maintenance fee remains. However, from the sixth month without moving the bank can not collect fees and charges on the outstanding balance.
7 - In the case of joint account, requires the presence of another customer to closing, even though I am the holder?
A: It depends on the contract. Normally only the signature of one of the owners is enough, but it is important to consult the manager.
8 - The bank can close an inactive account?
R.: The accounts inactive for more than six months may be terminated at the option of the bank. If the bank decided to terminate the account, the account holder must inform thirty days prior to completing six months of inactivity.
9 - The current account is automatically closed so if I fail to make moves?
A: The simple fact of moving to the current account does not terminate the contract of service between the customer and the bank.
10 - The bank can close my account, even though she is a positive balance?
A: Regarding the possible positive balance, the bank must inform the value that the customer has the account for the consumer to take the steps (make the withdrawal or re-move the bill).
Source: Procon-SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.