If for any reason you want to remove the name of your fellow account holder from the joint bank account, then this process is quite easy. Let’s know its complete method.
New Delhi: There are many types of bank accounts and almost all banks allow you to open different types of bank accounts. Here we are talking about Joint Bank Account. Joint bank account means an account in a bank that is opened by two or more people or some firms together. Such accounts are often opened by close relatives such as husband and wife or business partners together. But anytime for some reason you want to remove the name of your fellow account holder from the joint bank account, then this process is quite easy.
Let’s know its full method-
Form to be filled
A form for deletion of fellow account holder’s name can be obtained from the bank branch or you can also download the form from the bank’s website. In this form, the signature of the people in whose name the account is there and those whose name is to be deleted will also have to submit the form by taking the signature.
This information has to be given
In the form, you have to give information about the account number and type of account i.e. the type of account as well as the name of the account holder whose name is to be deleted. If the person whose name you want to remove is a minor, then in such a case the name of his guardian has to be mentioned.
Changes can be made in the account
You can also change the operation mode of your account i.e. if you want, you can change your account jointly to Survivor or Single or if you want, you can keep the account in the previous mode. can.
Debit card / ATM card will have to surrender
In the event of deletion of the name of the joint account holder, the account holders will have to return their debit cards i.e. ATM cards, which have been issued earlier by the bank to the account holders, whose name is now being deleted, either to the account holder. Must declare that he has destroyed the Debit or ATM card.
New Cheque Book
In the same application you can apply for a new cheque book with new names. However, keep in mind that you will have to return the unused cheque to the bank branch.
Keep these things in mind
- The name of the first or primary account holder cannot be removed.
- If the account holder whose name is being deleted, his number is registered for PIN, OTP notification, then it is removed from the bank’s record.
