In this article, we walk you through all the steps to writing and formatting the letter, including a sample and a template. I do not plan to use the account, therefore, I would like the credit line to be closed out.In this blog, we'll explore the essential steps and provide a sample letter template to guide you through writing a formal letter for closing your bank account. It can be as simple as "we are closing your account as of X date. To whom it may concern: Please accept this letter as my written authorization to close the following account(s) at your financial institution. Your bank may have an account closing letter template or form that you can download from its website or pick up at a branch. How to use the template: 1. In the sample letter, fill in your personal information. Example: Selena falls behind on her credit card payments, and after several months of missed payments, the card company marks the account as a charge-off. Want to close a bank account?