Banks often waive their fee if you keep a minimum amount in your account or meet other requirements such as linking checking and savings accounts. Some banks may require a minimum balance and may charge a fee if you drop below it.So better consult bank manager for redress your grievances.
If you have ATM you may withdraw the total balance and later intimate the bank to close the account.
You may transfer the balance amount through to another account. Bank can't dishonour the cheque if sufficient balance lying in account.
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