Closing a Joint Bank Account Online

Close Bank Accounts Closing a Joint Bank Account Online

Closing a Joint Bank Account Online

The process of closing a joint bank account takes some effort. Since there are two individuals on the account, it can get laborious to get it shut down as both parties need to be on board with the closing. This is why people want to know what steps they might need to take to shut down an account that they have opened with another person.

You can go to the bank on your own and handle all the legwork involved. This can be time-consuming and complicated. Or you can use DoNotPay and get the process done in a more convenient way.

How to Close A Joint Bank Account

You need to prepare certain documents with you when you file a request for the bank to close your account. It can be a headache to get all of that paperwork together and one wrong document out of place may force the bank to deny your request. If you are serious about getting the account shut down, you will need:

  • Official identification cards for yourself and anyone else on the account
  • Documents that show your legal relationship to the other person on the account (such as a marriage certificate)

The bank can look over this information and request that you and the other account holder sign some documents declaring the intention and desire to have the account shut down. Only once all of those ducks are in a row will the bank even consider allowing the account to be shut down. 

Routes to Shutting Down a Joint Bank Account

It is possible to get a joint bank account closed, though you will need to work with the other party on the account to ensure that you have all of the proper information, approvals, and documentation necessary to close it down.

There are several ways you can go about the request:

Visit the bank in personThis is the most tedious, but also the most guaranteed way to close a bank account. You need an official ID or other verification, and if you are closing the account on behalf of someone else, you should bring documents that verify your legal relationship with them.
Request by phoneWhile this can be done from home, waiting on hold for hours for your bank's customer service to pick up can be just as tedious as visiting in-person. Also, keep in mind that service hours are very limited and not offered at night.
Request by mailThis is likely the most convenient option — except that you have to send in your formal request documents by mail. In addition to writing a letter, you have to visit the post office and pay for postage.

You may also file a request to close your joint account online or by email.

No matter which method you choose, you will need to provide proof that the other person on the account has agreed to shut it down. The bank will only approve a request to shut down an account that has complete documentation.

Reasons Why Someone Might Want to Shut Down A Joint Account

Closing a joint bank account may hurt one’s credit rating but everyone has their own reasons for wanting to get a joint bank account shut down. Some of the usual reasons people decide to close their accounts are:

  • Divorce
  • Opening a different joint account elsewhere
  • Consolidation of bank accounts
  • One of the account owners is now deceased
  • Moving to a new city or state
  • Switching to an adult account from a child account
  • A personal dislike for the bank

These are all valid reasons to close down a joint bank account that had previously been opened. People sometimes just have to move on from their previous account setup situation to get to a place where they are banking the way that they want to. It is not easy, but it is necessary to take those next steps in life.

Use DoNotPay to Close a Joint Bank Account 

If you decide that you would like a little assistance getting your joint bank account closed, you may want to use the services of DoNotPay. Not only can they get the account closed for you, but they can take a lot of the burden of the work involved out of your hands.

If you want to quickly close a Joint Bank Account but don't know where to start, DoNotPay has you covered. Start the process of closing your bank account in 6 easy steps:

  1. Go to the Close Bank Accounts product on DoNotPay.
  2. Select which bank the account was opened under, and enter the account type, account number, and your local branch location.
  3. Indicate who this account belongs to. If the owner or co-owner has passed away, upload a death certificate or other formal evidence. If you are not the original account owner, upload evidence of your legal relationship with the owner.
  4. Tell us why you need to close this account.
  5. Enter your contact information, including email, phone number, and the address you want any remaining funds to be sent to.
  6. Submit your task! DoNotPay will mail the request letter on your behalf. You should hear back from the bank with confirmation or a request for more information within a few weeks.

DoNotPay Works Across All Banks

Perhaps you have multiple joint bank accounts that you need to close at the same time, or maybe you just want to get the process done with a few clicks. Know that DoNotPay works across all banks and can be a great partner to have in your quest to get your joint bank accounts closed.

DoNotPay gets the job done.

  1. It is fast at getting your accounts shut down.
  2. It takes care of much of the paperwork for you.
  3. You can rely on the user-friendly products to make this process easy for you.

There is no better feeling than knowing that a major task that you had laid out before you has now been accomplished. That is the sense of achievement that many people get when they use the DoNotPay service to help them close down unwanted bank accounts.


Having open bank accounts that are more than you need poses risks to your financial health that you might not even have thought of. Criminals with bad intentions may come after your accounts and attempt to steal your accounts and your money.

If you leave too many of them open, you are just adding potential targets to their list, and you obviously don't want to take chances with that. Use the DoNotPay services to help you get the results you need.

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