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How to Close Your Scotiabank Account: Online, Mobile App & Customer Service

If you've been contemplating on closing your Scotiabank account, you might be doing so for a variety of reasons. Whatever it may be, it's vital to know the right steps to take. This process can be handled using three main methods: online banking, the mobile app, and through call customer service. This comprehensive guide will take you through each process step by step.

Option 1: Closing Your Account Through Online Banking

Closing your account online is a hassle-free process.

1. Firstly, log in to your Scotiabank online banking account.
2. Once logged in, go to "Customer Services" located in the main menu.
3. Under "Account Details & Settings," select the "Close Account" option.
4. Follow the prompts and fill out any necessary information to finalize the account closure.

Before closing your account, make sure that all pending transactions have cleared and you've set up all recurring bills or direct deposits to another account. If your account is overdrawn or you owe any fees, ensure these are paid before going through the closing process.

Option 2: Closing Your Account Using the Mobile App

If you have the Scotiabank mobile banking app, the steps to close your account are quite straight forward.

1. Open the Scotiabank mobile app and log in to your account.
2. Go to the "More" button on the right bottom of the home screen, then click on "Support."
3. Select "Close an Account" from the drop-down choices.
4. Follow the subsequent instructions to shut your account.

Remember to have all your account details handy. This includes your account number, card number, and security information. Bear in mind that once your account is closed, all scheduled payments and direct deposits will no longer be processed, so make arrangements accordingly.

Option 3: Closing Your Account Through Customer Service

If you prefer speaking with a customer service representative to close your account, you can do so by calling Scotiabank’s customer service at 1-800-472-6842.

1. On connecting with a representative, specify that you wish to close your account.
2. The representative will ask you questions to verify your identity, so have all relevant documents and information at your fingertips.
3. Once your identity is verified, they will proceed to close your account or provide you with the necessary steps to do so.

Keep in mind that customer service lines might be busy, and wait times can escalate. Therefore, it's recommended to call early in the day or during non-peak hours for faster service. It's also worth noting that while some accounts can be closed over the phone, others might require you to visit a branch in person.

In conclusion, closing your Scotiabank account can be easily done through any of the three options highlighted. However, before going forth with the process, ensure you've fully settled your account and have no further business that could be disrupted by the closure. Always double-check your decision, keeping in mind that a closed account cannot be reopened.