Closing our account with LCL Credit Lyonnais

Banking & Financial
1

My wife and I are resident in Luxembourg
We have had a joint current account with LCL for over 30 years to pay various bill associated with a small property we own in France.
We have decided to close the account and any direct debits have been contacted and changed to our Bank in Luxembourg.
We have an appointment in two weeks time. We will be prepared with our closure letter and are fully prepared to go to the post office to send it by recorded delivery if this is refused as we are trying to hand the letter directly to a manager of the bank.
Their terms and conditions say that closure can only take place when all bank charges have been paid and that the balance would be returned to us in the form of a cheque.
We are hoping they would transfer the remaining balance directly to our Luxembourg Bank.

Has anyone had experience of closing an account.
What have we forgotten
Will they insist on the letter being sent by recorded delivery
Will they insist on issuing a cheques at some time in the future when they think all charges have been covered.
Thank you for any advise.

2

I closed an account by simply walking into the bank & asking to close it. No letter required.

Legally they cannot refuse closure, nor ask you why you are closing it.

They transferred the balance on the spot, to a new account that I gave them the RIB for.

3

I have but that was across the street in France, not across a European border so have no idea if that makes a difference.

I just walkd to the bank opposite and requested a meeting with an advisor, had that within a week and from then on I had to do nothing. The new bank did everything including transferring the one or two Direct Debits we had.