Home Loans  How to Deactivate, Close, or Delete Your Branch Account

 How to Deactivate, Close, or Delete Your Branch Account

If you’re considering deactivating, closing, or deleting your Branch account, it’s important to understand the platform and its features before making a decision. This might stern from the fact that you have motile accounts online and you want to close one so as to focus on the other. Well, in this article, I will guide you through from A-Z. Make sure you red to the very end. 

What is Branch?

Branch is a digital banking platform that operates solely online. It offers a mobile app that allows users to manage their finances, make payments, and access various banking services. 

With Branch, you can open a bank account, deposit money, withdraw cash, and even apply for loans. It’s designed to be user-friendly and accessible, making banking easier for individuals who prefer digital solutions.

Before deciding to deactivate, close, or delete your Branch account, it’s essential to consider the benefits and drawbacks of using the platform.

 Benefits of Branch

  • Convenience: Branch allows you to manage your finances anytime, anywhere, using your mobile device.
  • Accessibility: With Branch, you can access your account and perform banking transactions without visiting a physical branch.
  • User-Friendly Interface: The mobile app is designed to be intuitive and easy to navigate, making banking tasks simple and straightforward.
  • Financial Services: Branch offers a range of financial services, including checking and savings accounts, as well as loans, providing a comprehensive banking experience.

Drawbacks of Branch

  • Limited Physical Presence: Since Branch is an online-only platform, it may not be suitable for individuals who prefer face-to-face interactions or require in-person banking services.
  • Connectivity Dependence: To use Branch effectively, you need a stable internet connection. Poor connectivity may hinder your ability to access and manage your account.
  • Limited Services: While Branch offers essential banking services, it may not provide the same breadth of options as traditional brick-and-mortar banks.

Reasons to Deactivate

There are several reasons why you might choose to deactivate your Branch account temporarily, they include; 

1. Personal Reasons: You may need a break from managing your finances or want to reassess your banking needs.

2. Security Concerns: If you suspect any unauthorized activity or want to enhance the security of your account, deactivation can provide temporary protection.

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3. Financial Planning: Deactivating your account can help you take a pause and reevaluate your financial goals and strategies.

How to Deactivate your Branch Account 

Deactivating your Branch account is a straightforward process. Follow these steps

1. Open the Branch mobile app on your device.

2. Navigate to the settings menu.

3. Look for the option to deactivate your account.

4. Follow the on-screen instructions to confirm the deactivation.

What Happens After Deactivation

After deactivating your Branch account, you will no longer have access to your account and its features. Your account will be temporarily suspended, and you will not receive any notifications or updates from Branch. However, your account information will be stored securely, and you can reactivate it at any time by following the reactivation process.

Closing Your Branch Account

If you’ve decided that Branch is no longer the right banking platform for you, closing your account is a more permanent solution. Closing your account involves terminating your relationship with Branch and withdrawing any remaining funds.

There are various reasons why you might choose to close your Branch account:

1. Switching Banks: You may have found another banking institution that better suits your needs and preferences.

2. Dissatisfaction: If you’re unsatisfied with Branch’s services, fees, or customer support, closing your account can be a way to seek alternatives.

3. Simplifying Finances: Closing unused accounts can help streamline your financial management and reduce clutter.

What You Need to Do Before Closing

Before closing your Branch account, make sure to complete the following steps; 

1. Transfer Funds: Ensure that all funds in your Branch account are transferred to another account or withdrawn in cash.

2. Update Automatic Payments: If you have any recurring payments linked to your Branch account, update them with your new banking information.

3. Cancel Direct Deposits: If you receive direct deposits to your Branch account, inform the relevant parties to redirect the deposits to your new account.

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How to Closing your Branch account 

To close your Branch account online, follow these steps:

1. Log in to your Branch account using the mobile app.

2. Navigate to the settings menu.

3. Look for the option to close your account.

4. Follow the on-screen instructions to initiatethe account closure process.

Closing Your Account in Person

If you prefer to close your Branch account in person, you can visit a Branch banking location and follow these steps;

1. Locate the nearest Branch banking branch to your location.

2. Schedule an appointment or visit during their operating hours.

3. Inform the branch representative that you would like to close your account.

4. Provide the necessary identification and account information.

5. Follow any additional instructions provided by the branch representative to complete the account closure process. 

How to Request Deletion

To request the deletion of your Branch account, follow these steps;

1. Contact Branch customer service through their official channels, such as their website or customer support hotline.

2. Request the permanent deletion of your account.

3. Provide any necessary information or documentation requested by the customer service representative.

4. Follow any additional instructions provided by the representative to complete the account deletion process.


Deciding to deactivate, close, or delete your Branch account is a personal choice that should be based on your individual banking needs and preferences. Whether you’re taking a temporary break, seeking alternative banking options, or looking for a permanent farewell, understanding the processes involved can help you make an informed decision.


Why did my Branch account close?

Branch accounts may be closed due to inactivity. If you have not used your Branch account for a certain period of time (typically 6-12 months), the company may close your account to free up resources and maintain compliance with regulatory requirements.

What happens if you don’t pay Branch loan?

If you don’t pay your Branch loan, several consequences may occur. Branch may take legal action against you to collect the outstanding debt, which could result in a judgment against you and wage garnishment.


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