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. Informal probate is the process for asking the court to appoint a personal representative for a decedent's estate without a hearing.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. 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. Sub: Request to close an account due to death. The individual's death is presumed to have occurred at the end of the period unless there is sufficient evidence for determining that death occurred earlier. Closing a bank account following the death of a direct payments customer. Do you know how to find out if you are a beneficiary on a bank account? The "No Disclosure without Consent" Rule.