Clipping of news on Brazilian Culture, Law and Citizenship
08.12.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The best way to close an account is a formal request in writing to the bank. It is also important to keep a copy of the application to serve as a request voucher and Safeguard former account holder of future unauthorized charges
According to Central Bank rules (Resolution 2747/2000), then request the financial institution must have a commitment to close the account within 30 days. Furthermore, it should give the consumer a closing term with information relating to the account to be closed.
Remember that the account will not be closed as long as the outstanding balance or debts to the bank, so the client must pay off all its debts to the institution before closing your account.
From the shutdown request, the institution must cease the collection of maintenance fee and may, in the month in which the request, charge rate proportional to the time of use of the account.
Once completed the process, the bank must send notice to the account holder, stating the effective date of termination of the current account.
Below are other important tips to close the bank account:
> The request for termination can be made at any branch of the bank that the consumer is the customer, not necessarily in that the account was opened.
> Some institutions may offer a particular form to account termination. In that case, ask for a copy. But when in doubt, take your own document with the request.
> In addition to the letter, the consumer must take the leaves of checks and cards related to that account to the bank and ask to be destroyed (broken, torn) in his presence.
> If you want to terminate the account but keep the credit card linked to the financial institution, the former account holder must state its intention to the bank, which can accept or reject the request.
> If you have automatic debit, it is recommended that account holders will, throughout the month, suspending the service as soon as payments are made.
> If you have not taken this precaution before closing the account, the consumer must leave sufficient funds to cover the payment. The same applies to post-dated check.
In closing of the act, is the bank's obligation to deliver a closing term with all information related to the account to be closed, the statement of commitments and amounts to be repaid. This term should also contain an explicit commitment from the account closure bank within 30 days. Once completed the process, the bank must send notice (by letter or email) to the account holder, stating the effective date of termination of the current account.
From the shutdown request, the bank must cease the collection of maintenance fee and may, in the month in which the request, charge rate proportional to the time of use of the account.
The shutdown request should be accepted even if there sustados checks, the contraordem or canceled for any reason. However, if they are submitted on time, the checks will be returned by the reasons for it, even with the account closed, and the issuer, who passed the check, shall bear their legal obligations.
The account can not be closed as long as there outstanding balance of debts or contractual obligations that the account holder maintains with the bank, whose payments are linked to the account you want to quit. The termination is only permissible after equated, by mutual agreement, how low these obligations. The bank must keep a record of the occurrence concluding the account for five years.
Learn although the banks are obliged to provide all the information about the requirements for the closure of the current account (contract termination), either at the initiative of the bank or the consumer. The minimum requirements for closing current account must necessarily include the plug-proposal, since the opening of the account.
Do not let your dormant account!
If the account is not operated by the customer for more than 90 days, the bank must report the situation to the account holder, alerting you that the maintenance fee still focusing on the bill and warning that if the inactivity period up to six months , it can be closed.
During this six-month period, maintenance fees and charges will continue focusing on the account. Thereafter, it is up to the bank to suspend the collection of fees and charges on the outstanding balance.
After six months without moving, the bank may choose to keep the account open and paralyzed, or even contact the user so he decides, within 30 days, it will again move -la or if you prefer shut -la. If there is no user demonstration, the bank shall terminate the collection of fees and charges on the account after 30 days.
Source: Idec
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This article was translated by an automatic translation system, and was therefore not reviewed by people.