Closure of Union Bank account online via NetBanking or mobile banking
As per the Union Bank Chatbot and Web data in 2026, most of the PSU Banks, including Union Bank, do not currently allow customers to close a standard savings or current account directly through the Vyom Mobile Banking app or Net Banking portal. In simple words, unlike actions such as card blocking or ATM PIN generation, account closure demands full identity verification and document handover via visiting a branch. This means you cannot simply tap a button online and walk away with your account closed.
If not online, but why?
| Reason | Why Union Bank requires a branch presence |
|---|---|
| Fraud Prevention | Online closure can be misused if credentials are stolen |
| Legal Compliance | Closing account = terminating a financial contract |
| Physical Document Surrender | Cheque book, passbook, a debit card must be destroyed |
| Joint Accounts | All holders must sign in person |
| KYC Re-verification | Address & identity must match before closure |
Example we have:
A user recently tried through U-Mobile Service request support but was told to visit base branch or send via post (rare cases). System-level security is mandatory in most PSU still in 2026.
These human steps can’t be replaced by a digital workflow yet — especially in India with government-owned Banks, where RBI compliance requires strict physical verification. But maybe soon, we may have a few online options for closure.
What are the rules & charges?
Charges depend on how long you kept the account active:
| Time of Closure | With a Cheque Book | Without a Cheque Book |
|---|---|---|
| Within 14 days of opening | ₹0 | ₹0 |
| 15 days – 12 months from opening | ₹173 + GST | ₹130 + GST |
| After 12 months | ₹0 | ₹0 |
But across India, charges differ slightly by branch. The safest option you can choose: Ask your home branch to tell you the closure charges before final deduction and process the request. Extra deductions may happen, but only for – Cheque book or debit card is lost, Account had penalties or pending dues, and Re-KYC was overdue.
Tip for you – If you opened the account only for salary credit and now shifting, close after 12 months → zero closure charge.
What to do before closure
This is where most people go wrong. Before you even step into the branch, complete four smart steps:
- Transfer your money out – Keep ₹100–₹200 until staff confirms closure processing is accepted, banks sometimes reject ₹0 accounts before request logging. (only if the account is not older than 12 months)
- Stop automatic deductions – Cancel all your standing instructions, EMI auto-pay, SIP debits & UPI autopay. Otherwise, your closure may be paused, and you won’t even know why.
- Download important statements– Future loan or tax situations may require past transactions.
- Carry the Documents: your Aadhaar and PAN copy, a couple of passport photos (max 2), and your passbook, cheque book, and debit card for returning. Nothing complicated. The bank just needs to confirm it’s really you and take back what belongs to them. If any detail has changed, update it first so the closure isn’t delayed.
Quick example: You changed jobs, and your salary account is inactive — still, keep those statements for future salary proof.
Pro tip: If your address changed recently, carry a fresh utility bill (not older than 2 months), because Union Bank strictly verifies address during closure.
So what are the real options to close the Union Bank account?
There are two legitimate, bank-approved methods. You can also confirm that, simply visit the Union Bank official site, tap on chatbot, select chat with agent, you can ask your question and get real bank staff answers online. The options we found –
- Handwritten closure application
- Union Bank Customer Service Request Form (SRF-1)
Both methods require physical KYC via the branch and surrendering the bank materials, if you have them. You can do them in person or by speed post if you cannot visit your base branch in any case. Yes, postal closure is accepted, but limited and rare cases.
Option 1. How to close via Handwritten Application to Union Bank Home Branch
You can give hand written form in any language you like, but your signature and information must be correct. Btw, this is the simplest and most used method in rural and all over branches.
What to write
Include:
- Full Name (as per passbook)
- Account Number + Customer ID
- Registered Mobile Number
- Reason for closure
- Signature matching records – If the account has joint holders, every holder must sign the request.
Attach:
- Self-attested PAN copy (Xerox)
- Self-attested Aadhaar (Address Proof)
- 2 passport photos
- Surrender ATM card, cheque book, and passbook (not mandatory but expert recommended)
Steps
- Visit your base/home branch
- Submit application + documents
- Complete signature verification
- Balance settlement at the branch (you can get cash if the amount is lower; in most cases, the bank posts a DD or cheque to your account registered address within 15 working days)
- Get your acknowledgement slip (must keep!)
Follow-up Tip – If closure does not show in SMS/email within 72 hours → contact the branch or call 18004251515 or 1800223333 with the acknowledgement number.
Option 2. How to use the Service Request Form (SRF-1) to close account
Officially, Union Bank does not offer any printed separate account closure application form online or at a branch. But they offer a service request form with capabilities to close the account. This is more formal and used when customers want clear documentation. SRF-1 is used for multiple services, so, fill it slowly, you have to ignore most of sections.
You can download it here –
Here is the official link:
| Download Link | Format | Provided By |
|---|---|---|
| https://www.unionbankofindia.bank.in/pdf/service%20request%20form%20(srf-1).pdf | Union Bank of India |
Also available at website, you can visit the Union Bank official site, go to the Footer → Tap on Download Centre → “Service Request Form (SRF-1)”
Where to tick in SRF-1?
On Page 2 → Section 12: ☑ “Yes, I/we wish to apply for closure of the account”
Fill branch name + Sol ID (staff helps if you don’t know)
Submission Steps
- Fill customer details (Page 1 top)
- Tick closure box (Section 12)
- Attach KYC documents (PAN and aadhaar)
- Surrender your ATM/cheque book/passbook
- Sign Section 13 – Declaration (same as you do before)
- Submit to the base branch
- Collect the acknowledgement slip
How much time does it take?
Union Bank gives realistic timelines:
- Same day → Acceptance of closure request + KYC check
- 3–6 working days → System closure/backend settlement
- Up to 10 working days → If signature mismatches and if the account is dormant, re-KYC is needed
Postal closure typically takes longer, depending on delivery time and document verification. If you do a postal closure, first, make sure the account balance is zero, and the account is older than 12 months.
Special Cases for Union Bank Account Closure
Some closures require extra verification and take longer to close:
| Case Type | What Happens |
|---|---|
| Joint Account | All account holders must sign |
| Death of Account Holder | Nominee/legal heirs must submit the death claim form |
| Minor Account | Guardian signature + identity proof required |
| Senior Citizen | No special fees, but priority service is usually |
| NRI Account Holder | Can close via Power of Attorney or Registered Post from abroad |
| Dormant Account | Re-KYC is needed to reactivate the account before the closure process starts (takes more than normal) |
Example: If your parent passes away and the account has no nominee, bank will ask for legal heir certificate or succession certificate.
FAQs
Can an NRI close a Union Bank account while living outside India?
Yes. Use registered post or a Power of Attorney holder. Attach passport, overseas address proof, KYC copies, surrender instruments, and closure request.
How to close a dormant or inoperative Union Bank account?
First, re-activate with re-KYC. Provide identity, updated address, and signature verification. Once active, submit the closure form or handwritten request.
Can Union Bank account be closed if Aadhaar address differs?
Yes, but your bank branch will ask latest address proof not older than two months. Electricity, water, or telecom bill accepted after self-attestation with PAN.
Can I close the Union Bank salary account if the employer stops crediting the salary?
Yes. Convert the salary account to a regular savings if the salary stops, then submit a closure request anytime. Ensure no auto-debits or minimum balance dues remain.
How do I close a Union Bank account if I have moved to another city?
Send closure request, KYC copies, passbook and card through registered post to the base branch address printed in the passbook. Track delivery, follow-up using an acknowledgement slip.
Can I close a Union Bank account online instantly without visiting a branch?
You can’t close a savings or a current account fully online. Union Bank requires physical KYC verification and surrender of cards/books, either by branch visit or registered post.
Does Union Bank send any confirmation after the account is fully closed?
Yes. Union Bank of India sends an SMS to your registered mobile once the backend closure is completed. If no message arrives within 7 days, follow up using your acknowledgement slip.
Can Union Bank refuse closure if my signature has changed over time?
Yes. Signature mismatch is common in old accounts. The branch will ask you to re-sign in front of an officer with ID proof, after which the closure request usually proceeds without further delay.
Can a Union Bank account be closed if Aadhaar is not linked?
Yes, but KYC must still be complete. If Aadhaar isn’t linked, carry PAN and a valid address proof. The branch may update KYC first, then accept closure.
Will Union Bank transfer my remaining balance automatically after closure?
Yes. You can choose cash (small amounts), cheque, or NEFT transfer. NEFT is the fastest option and usually credits within 1–3 working days after closure approval.
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