The letter shall start with the sender's address, date, bank's address, and with a salutation. The first and foremost thing you must do to close a bank account upon the death of a loved one is to inform the bank of this death.It may also be possible to claim a deceased person's bank account without probate if the decedent's trust disposes of the bank account. The bank will not allow you to close it unless you have a letter of authorization from the probate court. Start the letter with your introduction and the reason for writing the letter. You'll just need the death certificate and your ID. The bank should close the account and make checks payable to the beneficiary. The letters cite reasons for closure such as relocating, no longer needing the account, job changes, and death of an account holder. Michael Collins was an Irish revolutionary, soldier and politician who was a leading figure in the early-20th century struggle for Irish independence. Search the Help Center. Step 4 – Complete any additional requirements.