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. One thing for sure is that the bank will want to know the specific reasons for the removal request as the next-to-kin.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. How Do Bank Closure Letters Work? Sub: Request to close an account due to death. An estate closing letter to beneficiaries is a crucial document in the process of settling an estate after someone has passed away. Please let me know if any other documents are required for claiming the amount of deceased. Request you to kindly process the request on priority. This Part shall be applicable to civil actions and proceedings in the Supreme Court and the County Court. 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.