How to Close a Joint Bank Account With Your Spouse

In order to close a joint bank account with your spouse you will need to prove that you are one of the joint holders by providing the correct information and identification to the bank.

If you have all the correct information with you then it should be relatively simple to close a joint bank account with your spouse, but there a few things you should be aware of before you go to the bank to close it. You will also need to pay a small administration fee and deal with any outstanding checks, direct debits or other business with the account.

The information you need to close a joint bank account with your spouse

To close a joint account with your spouse you need to be one of the joint owners and not just recognised as an "authorised signer" which is different to a joint owner. This usually applies when a bank account is opened for a receiver by another, usually a parent, and the receiver can use the account for multiple purposes but cannot close it. If you are unsure about the status you hold with the account you should ring the bank and check.
When you decide to close a joint account you should ring the financial institution you use and ask what documents will be needed for closure. It must be done in person and not over the phone. You will most likely need two forms of identification; a driver's license and passport or any state-issued identification will suffice. You should also bring your social security details. Make sure you have the correct account details and information when you arrive at the bank.

Finalising the job to close a joint bank account with your spouse

You do not have to ask permission of the other account holder or have them present with you at the bank to close a joint bank account with your spouse and you will have to provide all of the information on the day. After you do this, the bank will close the account and any remaining business or transactions will be concluded. These are likely to be minimal and just regarding cheques.
If you have any checks in circulation yet to be paid then you should ask the bank to "stop payment" on the cheque. There will probably be a small administration fee for this. Also remember to stop any direct debit or auto payment schemes coming from that account. This may include your salary income or expenditure like a membership which removes money at designated intervals automatically.