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?You need to take your mother's death certificate to the bank. Below is a list of forms that you may download for free from our website. You have lost a loved one and closing their bank account or your joint account should be the least of your worries in your time of grief. The Transfer on Death Letter of Authorization enables distribution of a decedent's account holdings upon death. Proof of death, such as certified copies of the death certificate. What do I need to close a bank account for a deceased person? We do not accept wills for filing unless the named party is deceased. Caveat. Common reasons for needing a medallion signature guarantee.