I have a Union Bank of India current account that I no longer use, and maintaining it feels unnecessary. Can someone guide me on the process to close a Union Bank current account? What documents are required, do I need to visit the branch, and are there charges?
Getting rid of my Union Bank current account turned into this endless headache that my uncle swore would be quick and easy. Turns out banks really don’t want you leaving once you’re in their system.
What You’re Actually Dealing With
| Step | What They Want | What Really Happens |
|---|---|---|
| Branch Hunt | Go to original location | Drove 45 minutes because other branches refused |
| Get Forms | Ask for closure papers | Counter guy rolled his eyes at handwritten requests |
| Pay Hidden Fees | Clear all charges | Found yearly fees I completely forgot existed |
| Kill Services | Cancel autopay stuff | Had to call gym, phone company, investment app |
| Return Junk | Give back bank items | Dug through drawers for old checkbook pieces |
| Move Cash | Transfer remaining money | NEFT saved me demand draft fees |
| Pack Papers | Bring ID documents | Grabbed photos from guy outside bank |
| Get Proof | Take tracking receipt | Ten working days just to confirm closure |
The Stuff Nobody Tells You
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Those random annual maintenance charges sitting in your account will stop everything cold. Found out I had some overdraft fees from years ago that I never knew about. Union Bank basically holds your closure hostage until every penny gets paid.
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Disconnecting autopay services before starting saves massive headaches later. My gym membership tried charging the closed account for months, creating this whole mess with their billing department.
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The NEFT transfer trick really works though. Instead of paying extra for their demand draft service, just moved everything to my other account online for free.
How Long This Actually Takes
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Don’t plan on getting this done quickly. Between finding the right branch, gathering papers, and their processing time, you’re looking at nearly a month from start to finish.
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Getting their form online first definitely helps you see what documents they want, but honestly the biggest time saver is just being prepared for this to take way longer than it should.
