Generally, it is your responsibility to cancel all recurring charges before closing an account.

The original agreement to charge the account was made between you, as the account holder, and the merchantmen.  You probably provided the merchant with written authorization to debit your account.  Because the bank was not a party to that agreement, they cannot cancel it for you.  You need to instruct the merchant to cease debiting your account.

You will need to notify your bank at least three business days before the scheduled date of the transfer and inform it that you wish to stop payment. You can provide the notice orally, but the bank may require you to confirm the request in writing. If the bank requires written verification of an oral notice, the bank will provide the address where the confirmation should be sent. The oral request ceases to be effective after 14 days if the bank requests written confirmation and the written notice is not received.

If you had authorized the merchant to charge your account and you want to stop the merchant's ability to debit the account for future transactions:

• you should contact the merchant directly and revoke your authorization to charge your account;
• you should keep a copy of your notice revoking authorization to charge or obtain a cancellation number; and
• you should notify the bank that the merchant no longer has authority to debit your account. It may be best to provide the notification in writing.

If you have revoked authorization and the merchant continues to charge the account, you can dispute the transactions with the bank.

If you authorized the bank to make the transfer to the merchant on your behalf, you need to revoke your authorization to make the transfer with the bank.

National banks must retain records of any deposit over $100 for at least 5 years. At the bank's discretion, these records may be retained for longer periods.

When opening a bank account, the customer's name, birthday, address, phone number, email address and Social Security number are required.

If users continues to get stepped up over and over, we have found that sometimes users's browsers don't encrypt the Device ID correctly and therefore cannot be recognized as a previously used device.  Here are some hints we have found helpful in resolving client-side issues that prevent a device from properly registering and resulting in users being c stepped on every login:

• Clear cookies; do not check "Preserve Favorite Sites" -Internet Explorer Only
• Add the institution's website to trusted sites -All Browsers
• Delete any flash cookies for the institution's website (Directions Here) -All Browsers 

Yes. There is no federal law or regulation that requires national banks to cash checks for non-customers. Most banks have policies that allow check cashing services only for customers who have an account with them in order to protect both themselves and their customers from forgeries.

Once a national bank cashes a check that has been forged by a non-customer, they may lose money if they cannot collect from the person who cashed the check.

Also, if a national bank agrees to cash a check for a non-customer, it may legally charge the presenter a fee.