IT People Blog – Saving in the bank is very profitable from a financial point of view. Apart from being a safe and convenient means of storing money. You can also earn interest on deposits.
Usually 1 person does not only have 1 bank account. It could be 2 or more accounts in various banks. Unfortunately, this of course makes one of your bank accounts rarely used. Maybe one of them is your BRI Bank account.
Then, should you continue to use the savings account even though it is not used? Or just close it? Our advice, it would be better if you closed it. Besides making it easier for you to manage the accounts used. By closing the BRI account, you also don’t need to pay monthly administration fees.
Here’s how to close a BRI account:
Closing BRI Accounts automatically
Your BRI account will automatically be deactivated if the balance is below the minimum balance and there are no transactions at all within a certain period of time. If there is still money left in your account, then you can withdraw it via a teller or via an ATM until it runs out and leave a deposit balance of IDR 50,000 or depending on the type of BRI savings you use.
The next step, just don’t use the account again. Over time, the remaining balance will be depleted by monthly administration fees and dormant fees. If the balance is completely depleted, the account will be closed automatically.
This method is quite practical, especially for those of you who don’t want to bother queuing at the bank’s customer service.
Come directly to BRI Bank
The next way to close a BRI account is to come directly to the BRI Bank where you opened your savings account or your nearest BRI Bank. Make sure you bring a Savings Book that you are about to close, an ATM Card, an Identity Card in the form of an active KTP, and a gadget token (if any). This closing procedure must be carried out by the savings owner himself, or can use a power of attorney. You can get more information by asking directly to Customer Service bank.
After all the requirements are complete, come to the bank and take the queue number at the customer service section. After your number is called, go to the bank’s cs and state your goal to close the account.
Fill in the account closing form and the reason. Sign the form files. You will also have to submit a passbook along with the ATM card. Then, if there is still a balance remaining, the balance will be disbursed in cash and can be withdrawn immediately.
You will also be charged an administration fee. Your passbook will be torn up in the data scan section as a sign that this passbook can no longer be used and the ATM will be immediately blocked. If it is finished, in the next few days your data will be deleted by the bank.
Those are 2 ways to close a BRI account that you can do.
BRI Account Closing Fee
As previously stated, you will be charged a number of fees for closing this BRI account. The amount of the fee depends on the type of savings you have. For Sharia and Simpedes savings, you will be charged a fee of IDR 25,000. Meanwhile, for your BRI BritAma savings, you will be charged a fee of IDR 50,000.
Main Reasons for Customers to Close their Bank Accounts
Generally, there are several reasons why customers want to close their bank accounts, including:
Rarely used
The first reason that is most often expressed is that the account is no longer used or is rarely used. This can be caused by a decrease in customer banking activities or customers have more than 1 account so that one of them is rarely used.
Read also: Check BRI account is still active or not
Switched to another service
The rise of digital wallets and digital banking applications is also one of the reasons why customers want to close their bank accounts. Digital wallets and digital banking applications offer more convenience in transactions, from the process of opening to closing accounts that can be done online.
Can be used for various types of other financial transactions like bank services in general. Starting from transfers, deposits, deposits, investments, and so on. In fact, the app offers lower administration fees with higher deposit rates. This is one of the reasons why so many customers are starting to switch to digital banking applications.
I myself prefer to invest my monthly salary to buy mutual fund shares through a seed application rather than leave it at Bank Jatim.
As additional tips, choose a digital wallet application or digital banking application that has been guaranteed by the LPS and registered with the OJK.
High administrative costs
Administration costs are low and not too burdensome to be one of the big attractions for the community. On the other hand, public interest will decrease if the bank’s administrative costs are high. These costs will of course reduce your savings balance.
bank location
The next reason is because the location of the bank is far or not strategic, making it difficult for customers. The farther the location of the bank, the more lazy customers will be to visit and transact there and eventually make them decide to close the account.
Want to switch to another product
Each type of savings has its advantages and disadvantages. Sometimes, due to the increasing level of banking transactions, we have to upgrade our accounts. This makes you have to close the account and choose another savings product that is more suitable.
Conclusion
There are 2 ways to close a BRI account. First, automatically by emptying the balance and not using it for several consecutive times. Second, by coming directly to the bank’s customer service.
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