In today’s digital age, banking has become more convenient and accessible than ever before, thanks to the emergence of mobile banking and Internet banking services. FCMB, a leading financial institution in Nigeria, offers these services to its customers through its FCMB Mobile app and Internet banking platform. However, there may be instances where customers decide to close, delete, or deactivate their FCMB Mobile app and Internet banking accounts. In this article, we’ll explore possible reasons for doing so, what to do before taking such actions, and what customers should expect after deactivating their accounts.

Possible Reasons for Closing, Deleting, or Deactivating FCMB Mobile app and Internet banking Accounts

1. Security Concerns: One of the most common reasons for closing, deleting, or deactivating FCMB Mobile app and Internet banking accounts is security concerns. Customers may feel that their account details or passwords have been compromised, leading to unauthorized access to their accounts. In such cases, it’s best to contact FCMB’s customer service and report any suspicious activity. The bank will then guide you on the next steps to take, including deactivating your account temporarily or permanently.
2. Inactivity: Another reason for closing, deleting, or deactivating FCMB Mobile app and Internet banking accounts is inactivity. Customers may not use the service for an extended period, leading to a lack of activity on their accounts. FCMB may send notifications to such customers, reminding them to log in to their accounts or risk deactivation. If customers fail to log in within a specified timeframe, FCMB may deactivate their accounts to prevent any unauthorized access.
3. Account Upgrade: Customers may also choose to close, delete, or deactivate their FCMB Mobile app and Internet banking accounts if they upgrade to a different banking service. For instance, a customer may decide to switch from FCMB to another bank, leading to the closure of their FCMB Mobile app and Internet banking accounts.

What to Do Before Closing, Deleting, or Deactivating FCMB Mobile app and Internet banking Accounts

1. Clear Outstanding Transactions: Before closing, deleting, or deactivating your FCMB Mobile app and Internet banking accounts, ensure that you clear out any outstanding transactions. This includes any pending transfers, bills, or standing orders. Failure to do so may result in unpaid debts or penalties.
2. Settle Outstanding Loans: If you have any outstanding loans with FCMB, ensure that you settle them before closing, deleting, or deactivating your FCMB Mobile app and Internet banking accounts. Failure to do so may result in legal action or debt recovery measures.
3. Transfer Funds: Before closing, deleting, or deactivating your FCMB Mobile app and Internet banking accounts, transfer any remaining funds to your other bank accounts or a third-party account. This will ensure that you don’t lose any money in the process.
4. Contact FCMB Customer Service: If you’re closing, deleting, or deactivating your FCMB Mobile app and Internet banking accounts due to security concerns, contact FCMB’s customer service to report any suspicious activity. The bank will guide you on the next steps to take, including deactivating your account temporarily or permanently.

What Customers Should Expect After Deactivating Their FCMB Mobile app and Internet banking Accounts

1. Loss of Convenience: After deactivating your FCMB Mobile app and Internet banking accounts, you’ll lose the convenience of banking from the comfort of your home or office. You’ll have to visit an FCMB branch to carry out any banking transactions.
2. Restoration of Account: If you decide to reactivate your FCMB Mobile app and Internet banking accounts, the bank may require you to go through the account opening process again. This includes providing your details, identification documents, and proof of address.
3. fees: FCMB may charge fees and penalties for closing, deleting, or deactivating your FCMB Mobile app and Internet banking accounts. These fees may vary depending on the reason for deactivation and the account’s status.

How to deactivate, close, or delete  FCMB Mobile app and Internet  banking Account

If you have decided to deactivate, close, or delete your FCMB Mobile app and Internet banking account, this step-by-step guide will provide you with the necessary information to do so. It’s essential to note that the process for deactivating, closing, or deleting an account may differ based on the specific reason for your request. In this guide, we’ll cover each scenario separately.

Deactivating FCMB Mobile app and Internet banking Account

Deactivating your FCMB Mobile app and Internet banking account is a temporary solution that allows you to suspend your account’s usage for a specific period. This option is ideal if you’re going on vacation, taking a break from banking activities, or experiencing any technical difficulties with your device.

Here’s how to deactivate your FCMB Mobile app and Internet banking account:

1. Log in to your FCMB Mobile app or Internet banking account.
2. Navigate to the settings section of the app or website.
3. Select the “Account Management” or “Profile” option.
4. Click on “Deactivate Account” or “Temporarily Suspend Account.”
5. Confirm your decision by entering your password or OTP (One-Time Password).
6. Your account will be deactivated for the specified period, and you’ll receive a confirmation message.

Closing FCMB Mobile app and Internet banking Account

Closing your FCMB Mobile app and Internet banking account is a permanent solution that involves permanently shutting down your account. This option is ideal if you’ve decided to switch banks, relocate, or no longer require the services provided by FCMB.

Here’s how to close your FCMB Mobile app and Internet banking account:

1. Log in to your FCMB Mobile app or Internet banking account.
2. Navigate to the settings section of the app or website.
3. Select the “Account Management” or “Profile” option.
4. Click on “Close Account” or “Permanently Close Account.”
5. Fill out the necessary forms and provide the required documentation.
6. Confirm your decision by entering your password or OTP (One-Time Password).
7. Your account will be closed, and you’ll receive a confirmation message.

Deleting the FCMB Mobile app and Internet banking Account

Deleting your FCMB Mobile app and Internet banking account is a permanent solution that involves permanently deleting your account. This option is ideal if you’ve decided to permanently stop using FCMB’s services.

Here’s how to delete your FCMB Mobile app and Internet banking account:

1. Log in to your FCMB Mobile app or Internet banking account.
2. Navigate to the settings section of the app or website.
3. Select the “Account Management” or “Profile” option.
4. Click on “Delete Account” or “Permanently Delete Account.”
5. Fill out the necessary forms and provide the required documentation.
6. Confirm your decision by entering your password or OTP (One-Time Password).
7. Your account will be deleted, and you’ll receive a confirmation message.

FAQs

How to Deactivate FCMB Mobile App and Internet Banking Account?

To deactivate your FCMB mobile app and internet banking account, you need to follow these steps:

• Log in to your FCMB mobile app or internet banking account.
• Navigate to the settings or account management section.
• Look for the option to deactivate or close the account.
• Follow the on-screen instructions to confirm the deactivation request.
• Once the deactivation is confirmed, your FCMB mobile app and internet banking account will be closed.

Can I Close My FCMB Mobile App and Internet Banking Account Online?

Yes, you can close your FCMB mobile app and internet banking account online by following these steps:

• Log in to your FCMB mobile app or internet banking account.
• Go to the settings or account management section.
• Look for the option to close the account.
• Follow the on-screen instructions to initiate the account closure process.
• Confirm the closure request, and your FCMB mobile app and internet banking account will be closed.

What Happens After I Deactivate or Close My FCMB Mobile App and Internet Banking Account?

After deactivating or closing your FCMB mobile app and internet banking account, the following actions will occur:

• Access to your account will be restricted, and you will no longer be able to perform transactions or access account information.
• Any recurring payments or scheduled transfers linked to your account will be canceled.
• You may need to return your physical debit card to the bank if required.
• Your account will no longer be active, and you will no longer receive account-related notifications.

Conclusion

Deactivating, closing, or deleting your FCMB mobile app and internet banking account is a straightforward process that can be completed online. By following the provided steps, you can ensure that your account is deactivated securely and efficiently. If you have any further questions or need assistance, it is recommended to reach out to FCMB customer support for personalized guidance.