This is to notify the bank that my. (Relationship with deceased).Present either of these letters to the bank along with the death certificate to close the account. A bank closure letter may be needed if you want to close a bank account without having to go to your bank's physical location. Sub: Request to close an account due to death. Hence, I request you to process my application and close his account. In the following sections, we review what a bank account beneficiary is and how to find out if you've been designated as one. What if a named personal representative dies or no longer wishes to serve? 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. What Can't be Garnished?