Joint account owners, power of attorneys and third-party operator with general authority can request the closure of a bank account.

If there is more than one account holder linked to the account, all those account holders are not required to provide their consent to close the account (unless there is an arrangement in place which requires one or more of those account holders to agree to the closure of the account). If the account closure is requested by one of the account holders, all account holders will be notified of the account closure with a closing statement issued to each account holder.

If more than one account holder is required to authorise the closure of the account (for example, if more than one power of attorney must agree to the account closure), all appropriate account holders will need to be present to provide their authorisation to close the account.

Accounts that have third-party operators with account specific authority do not have authority to request the closure of a bank account.