Closing of a bank account by the bank

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What personal information can my bank ask me ?

• Any element to estimate your resources.
• Any element to assess your heritage.

• Reasons why this information has been requested.
• Use that will be made of this information.
• Consequences of a response lack on your part.

• An example of treatment implemented for the fight against money laundering and the financing of terrorism here.
• The decree of September 2, 2009 taken under article R561-12 of the Monetary and Financial Code.

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Closure of a bank account by the bank

You are wondering if your bank can close your bank account and how it can do it ? It depends if your account is active, That is to say if you carry out operations on this account or on another account of the same bank. Here is the information to know about the end of your bank account by the bank.

• Active account
• Inactive account

Active account

What is an active bank account ?

Your account is active when you carry out operations on this account or to another account of the same bank.

You have a current A account on which you perform operations regularly and a B current account that you do not use. As long as account is active, the B account also.

An account is also active when an heir performs operations on the account of a deceased within 1 year after his death.

How can the bank close your bank account ?

The bank can close your account, even if it operates properly, in compliance with the account agreement. The bank must inform you in writing.

It must respect a period of 2 months minimum before the account fence. This notice period must allow you to open another account and carry out the latest operations useful for the continuity of your accounts.

The bank must justify its decision only if the account has been opened after activation of the law procedure.

What are the consequences of closing your bank account ?

The closing of the account definitively ends its operation.

The banker must pay the checks you have issued before the account was closed. To do this, you must be a sufficient provision, that is to say enough money.

If the provision on your account is insufficient, this will result in payment incidents.

You must return to your bank all the means of payment you have (unused checks, bank card).

If the account has an overdraft, That is to say a negative balance, the bank sends you a letter asking you to settle the sum due.

If there is money on your account, theA Banque reimburses you the amount at the time of the fence. The bank sends you a document called balance of any account , specifying the amount that was sent to you when closing the account.

The bank must communicate the closure of the account to the Banque de France and archive documents during 5 years.

If the account presents an overdraft, that is to say a negative balance, the bank sends you a letter asking you to settle the sum due.

She owes you inform free, during the 13 months After the clost e, When a check, a direct debit or transfer operation arise for payment on the fenced account.

Is the end of your bank account paid ?

No. The account fence is free.

You must pay the payment services costs (for example: card subscription) until the account termination date. If you have paid for these costs in advance, they will be reimbursed to you.

You pay the bank card subscription on January 1 for the whole year. However, the account is closed on April 30. The bank will have to return to you 2/3 of the amount of the contribution paid.

Can you challenge the closure of your bank account ?

No, You cannot contest the closure of your bank account.

You can claim in writing of compensation from your bank if it has not respected the notice period of 2 months. To do this, you can use the following letter model:

If these compensation is refused, you can call on the banking mediator. You can also seize the civil courts.

Where to contact ?