Despite the rise of digital banking, certain procedures still require an in-person visit to a bank. One such process is the closure of a bank account following the death of an account holder. This procedure cannot be completed online or through mobile banking applications and must be carried out at the bank branch with the required documentation.

Procedure for Closing a Deceased Person’s Bank Account

A bank account cannot be transferred to another individual after the account holder’s death. However, the account can be closed after withdrawing the balance. To initiate the closure process, the claimant must visit the bank branch where the account is held and submit a notarised copy of the death certificate. In addition, the claimant is required to fill out a bank-prescribed application form.

Depending on the bank’s internal policy, additional documents may be sought, and the bank will inform the applicant accordingly. Once verification is completed and the balance is settled, the account is formally closed.

Who Is Entitled to Withdraw the Money?

The withdrawal of funds from a deceased person’s account is governed by specific rules. If the account holder had registered a nominee, only the nominee is legally entitled to withdraw the money.

In cases where no nominee has been appointed, a legal heir—such as the spouse, children or parents—may claim the funds. The bank, however, requires valid proof of identity and relationship to prevent fraudulent claims. Documents such as Aadhaar cards or other officially recognised identification may be sought during verification.

After the bank completes the due process and authorises the withdrawal, the remaining balance can be claimed and the account closed. This procedure ensures both legal compliance and protection against misuse of the deceased’s financial assets.