How to write a letter to stop ECS payment from your bank account

Want to deactivate the automatic withdrawal of money from your savings account or current account? Here is a sample application format to cancel ECS debit of amount from your bank account.

Overview The world has turned into e-world and almost everything has turned digital on this sphere. Likewise books are turned into e-books, shopping is turned into e-shopping and mails are turned into e-mails; banking is also turned into e-banking. Banks are also encouraging mobile banking and internet banking as it not only reduce huge crowd in the bank premises, but also lessen the work load on the staff.

Out of uncountable benefits and features of e-banking, one of the most widely used feature is Electronic Clearing System (ECS). In this feature, customer (bank account holder) allows his/her bank to automatically debit a specific sum of money at the duration of a specified time period to a specified payer. For example, Mr. John has to pay Rs. 825 every month for his telephone bill. Thus, he avails ECS service for this purpose, and therefore his bank debits Rs. 825 every month from his account and electronically transfer it in the favor of telephone company. You can avail this service even if you are willing to electronically transfer a specified amount as donation to any charitable organization, or have to pay a specific sum of money as premium to insurance company. You can also pay a certain sum of money towards EMI for a loan availed from any company.

But what to do if you want to stop this service at a later stage? You just need to write an application in provided format and submit it to your banking officials. Replace the fields in italic with relevant information (e.g. write SBI bank if your account is in SBI bank, write HDFC bank if your account is in HDFC bank, and so on).

Sample letter format to cancel direct payment from bank account


The Manager,
Bank Name,
Branch Name,
City name.

Subject: To deactivate ECS payment from my bank account

Sir/ Madam,
This is to inform you I, your name, am having a saving account (A/c No. xxxxx) in your bank. I want to deactivate ECS debited from my account in favour of name of the payee/ company name. Kindly take the required action at your earliest.

Thanking you
Your sincerely,
Signature of account holder
Name of the account holder
Complete savings/ current account number
Contact number

You can also request to cancel the ECS service to pay your Credit Card dues using above provided format. In that case, you just need to change the main text in below provided manner.

This is to inform you I, your name, am having a saving account (A/c No. xxxxxxx) in your bank. I want to deactivate ECS for the payment of my SBI credit card dues (credit card no. xxxxxxxx). Kindly take the required action at your earliest.

Still have any doubt? Post your query as a comment below and I shall provide you a best possible solution.

Article by Nidhi
Nidhi is a freelance content writer with 10+ years of experience. She has a great passion to write on valuable topics so as to provide precise information to her readers.

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