To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. To close a bank account after death, you must completely liquidate its funds.You can use this letter template to write to the bank to request the closure of a direct payments account following the death of the account holder. The bank will not allow you to close it unless you have a letter of authorization from the probate court. 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. Bank accounts that are solely in your name can be held up temporarily upon your death. At Provident, banking revolves around you. Our digital banking technology is fast, secure, and, best yet, convenient. Learn about programs and organizations that give free legal advice and may help you find a free or lowcost attorney. This document contains the rules, terms and conditions which govern your accounts with.