Whenever one of the joint account holders dies then the other joint account holder has to inform the bank about the death, so that the banks will remove the name of the deceased account holder from the joint account.
It will prevent the surviving account holders from facing future bank transaction-related problems.
To remove the name of the joint account holder, we need to submit a request letter to the bank along with the death certificate copy of the deceased person.
Sample Letters to Bank for Notifying the Death of the Joint Account Holder
Format 1 (In case of Death of the Husband)
The Bank Manager,
Name of the bank.
Sub: Application to remove the name of the joint account holder due to death.
My name is _________(your name), holding a joint account in your bank as a secondary account holder along with my husband late sri ___________(your husband’s name).
Unfortunately, my husband who is the primary account holder has passed away on _______(date of the death).
So here I would like to request you to kindly remove the name of my husband from the joint account and associated fixed deposit accounts as well.
Savings A/c no: 3125XXXX5789.
Fixed deposit A/c no: 3458XXXX1234.
Please find the enclosed death certificate copy with this letter.
Format 2 (In case of Death of the Wife)
The Bank Manager,
Sub: Request to remove the name of the deceased joint account holder.
I am ___________(your name) joint account holder of your bank. I am the primary account holder of this account and my wife named ___________(your wife’s name) is the secondary account holder.
Unfortunately, my wife has passed away on ______(date of the death) due to some health issues.
Here I am requesting you to please remove the name of my wife from the joint account and convert it into a single account.
Here are the details of the savings account and FD account:
Savings A/c no: 2456XXXX789.
Fixed deposit A/c no: 2781XXXX456.
Also, find the attached death certificate copy with this letter.
How much time will it take to remove the name of the person from the joint account?
It will take 5-7 days to remove the deceased person’s name.
How to remove the name of the person in a joint account after divorce?
In case of divorce, it is better to close the joint account, or the banks will freeze the account in case of any legal issues.
Can I delete the name of the account holder in the joint account in normal cases?
The second account holder’s name can be deleted, only with his/her consent and direct presence in the bank.
Can I convert a joint account into a single account online?
No, it is not possible, you have to visit your branch and need to submit the request letter (or) application to convert a joint account to a single account.