Now-a-days, we all get SMS alerts from banks, regarding the transactions.When you close your account, you have to hand over all unused cheque leaves, your ATM card debit or credit card, passbook, outstanding loans, locker keys if you have one etc, the list is long. Along with a covering letter stating that you wish to close your account.If there are no dues or you do not owe any money to the bank. They will proceed to close your account, and the proceeds thereof, will be paid in cash or transferred to any other bank account of your choice.You will also receive a SMS stating the same from the concerned branch.It's such a simple step ,no complications are involved.