Processing flow:
First, determine the working hours of bank branches. The rest time of bank branches is uncertain. It is suggested to call the customer service of the bank first to see if several branches near you work on weekends to avoid a trip in vain.
Second, bring all relevant documents, and the most important thing is your ID card and bank card. If the bank card is already online banking, there may be an online banking secret card and a network shield, which need to be carried.
Third, determine the balance in the card and determine whether there is a balance in your card. At this time, you can go to the ATM or the counter to check yourself. Generally, if there is a balance, the window staff at the bank counter will help you take it out.
Fourth, the bank is waiting to get the number. When you arrive at the bank, tell the lobby manager that you are going through the formalities of closing your account, and the lobby manager will directly give you the number. It should be mentioned that if you want to handle your personal business or company business clearly, then this business is still different.
Fifth, sign at the counter. When handling at the counter, submit your ID card and bank card, and the bank manager will handle it directly. In the process of handling, there is a confirmation list of account cancellation that needs to be signed for confirmation.
Sixth, the card was cut and the account was closed successfully. After signing for confirmation, the bank manager will cut the card with scissors and copy it on the copy. After copying, they will return your relevant documents, signature form and cut card, so that the account can be closed successfully.
There are the following differences between bank card cancellation and account cancellation:
1 has different meanings. Bank card cancellation refers to the cancellation of a bank card under the cardholder's name, which will not affect the use of other cards under his name. For example, the cancellation of savings cards does not affect the normal use of their peer credit cards; And account cancellation is to delete the bank account, including all the data under its name.
2. The process is different. Cancel the bank card, as long as you pay off the credit card debt or transfer the balance of the savings card; The account cancellation needs to settle the outstanding funds of all bank cards under its name.
3, the effect is different. If the bank card is cancelled, the card information can still be found in the personal account; By closing the account, the account information will be completely cleared.
4. The effective time is different. Bank card cancellation takes effect immediately; Account cancellation needs to wait for the bank's settlement period, which usually takes 45 days to take effect.