Initiating the Closure Request

• The guardian must visit the bank branch where the account is held.
• A written application for account closure must be submitted.
• The request should clearly mention the account details and reason for closure.
• The guardian must carry valid identity proof and a copy of the minor’s age proof.
• Some banks may offer pre-printed closure forms for convenience.

Verification by the Bank

• The bank verifies the identity of the guardian and the minor (if applicable).
• The account’s balance and transaction history are reviewed.
• All pending dues, charges, or documentation issues must be resolved.
• The bank may require a declaration that no further transactions will be made.
• In case of legal guardianship, relevant court documents may be requested.

Withdrawal of Remaining Balance

• The account balance must be fully withdrawn by the guardian.
• Withdrawal can be made via cash, cheque, or account transfer.
• If linked to fixed or recurring deposits, those must be closed separately.
• The guardian must collect any pending interest or incentives.
• Banks may ask for acknowledgement of fund receipt.

Submission of Documents and Materials

• Return of ATM/debit card, cheque book, and passbook is mandatory.
• These items must be cancelled or surrendered during closure.
• A final account statement may be provided for recordkeeping.
• The bank updates its system to mark the account as closed.
• A closure confirmation receipt is issued to the guardian.

Special Case: Conversion at Majority

• If the minor has turned 18, the account can either be closed or converted.
• In case of closure, the now-major individual must submit closure request directly.
• All balances and features are settled as per standard adult account procedures.
• Closure must follow due KYC verification and documentation.
• Banks may require updated ID and address proof of the now-major account holder.