A letter to close a bank account typically is a way of the bank protecting you and themselves from identity theft, i.e. someone masquerading as you, saying, "I want to close this account. Give me the money" or whatever it may be. So the bank is going to typically want your signature in writing. They may even need a wet signature in order to take and close a bank account for you simply because they want to make sure that you're you. And instead of trying to do it by telephone or Internet or fax, you know, typically is not what the banks like. It's, like, because people think that because it's an email or something like that, that that's the same as the original signature and it's not because, obviously, anybody can forge an email. So that's why banks typically want a letter to close a bank account.