One thing for sure is that the bank will want to know the specific reasons for the removal request as the next-to-kin. How Do Bank Closure Letters Work?Closing a bank account when someone passes away isn't difficult, as long as you have the right paperwork for the the teller or banker. 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. Sub: Request to close an account due to death. Sample Letter to Bank Informing the Death of the Account Holder. The death claim letter should be written in the formal letter format. To close a bank account after death, you must completely liquidate its funds. A death claim application letter for a bank is basically a letter to the bank stating that the account holder has been deceased. If you've stopped paying your creditors for unpaid debts, they will likely report your account as a charge-off after four to six months of non-payment.