Letter to Bank

A. Letter to the Bank

People write letters to banks for various reasons - e.g. apply for an ATM card, cancel a credit card, request a letter to bank for a loan, additional payment period, fund transfer, issuing a cheque book, letter to bank manager on an error on your bank statement, etc. It is important to identify exactly what you want from the financial institution before you write. This should include specific information you need and the course of action you would like the bank to take in your request letter to the bank. 

Focus on your request and identify who you are writing to. Are you writing a letter to the bank manager of your local branch? Are you writing to the customer service department, loan department, or credit department? Who is the most appropriate person to receive this leave letter?  Does it need approval from any department at the bank? If you know your bank manager, it might be helpful to write to him / her first and pass on your request to the relevant department. 

You should include all the relevant information that would make it easy for the bank to respond, for example, including your account name, number, date of transaction and the amount, etc. The reason for the request should be clear and credible to motivate a response. If you have been a long-time loyal customer of the bank, you should also say so as it would help to build a rapport with the bank employee dealing with your request. 

The tone of bank letters should be polite and formal, no matter how upset you are. Good manners certainly help in encouraging the bank to act promptly and positively. At the same time, the letter should be simple, concise, and to the point. Do not repeat the same information twice and delete any unnecessary details. Clearly express your expected answers to questions in a way that even an entry-level bank clerk would understand what to do and not be confused. 

Add standard business greetings and conclusions. The letter should be signed and dated by an authorised signatory of the account (with a company chop if necessary).

B. Tips for Writing a Letter to the Bank

• Decide on exactly what you want before you write.
• Identify the person at the bank that you are writing to.
• Write the letter in a polite, formal, and genuine manner.
• Provide all relevant information (e.g. account number).
• Clearly explain the reason for the request.
• The letter should be brief, simple, and to the point.
• The letter should be signed by an authorised signatory.