1, the fixed investment does not need to be closed, just terminate the fixed investment agreement. Check the fixed investment of the fund in your online bank. If you find a fixed investment, it will have an option to terminate it. Actually, it doesn't matter if you don't close the account. As long as you have no money on your card for three consecutive months, the fixed investment agreement will be automatically suspended because you can't deduct the money.

2. The so-called account cancellation includes fund account cancellation and bank card account cancellation. I guess you mean the former. To cancel a fund account, you need to enter the fund account list and then apply for account cancellation. Look carefully for these functions of online banking.

3. Do people in banks do this now? Open a fixed investment without my consent?