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.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. Present either of these letters to the bank along with the death certificate to close the account. 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. When a payment is made from DWSS, SCaDU electronically tells your bank to credit your account. The information and the links on this page are only related to the Capital One Bank Products listed below.