Once you have decided which financial institution you will transfer your money to and which type of account is best for you, it is important to review all the bills you have direct debited from it. Although the regulations in force since March 25, 2019 require institutions to manage the transfer of accounts at no cost to the customer, if you are in a hurry to make the change, it is best to do it yourself.
How to transfer receipts from one account to another
To do this, we recommend that you write down all the bills that you have charged to your other account. Once you have located them, the process is simple: you must contact the companies that collect the payments to inform them of the change of account and provide them with the bank details of the new one.
Likewise, if you also want to direct deposit your payroll, you must submit the certificate of bank ownership of the new account to your company's Human Resources department.
Once you have verified that the change of entity has taken line data place and that all your bills are domiciled in the new current account, it is time to transfer the balance from your old account to the new one.
Once all your money is in the new bank, you can finally proceed to close the old account . If you don't do this, the bank can continue charging you fees even if you don't have any money in it.
What steps should I follow to change my account to Caja Rural?
If you have an internet connection, switching your account from another bank to Caja Rural is easier, safer and faster than ever. So, if you decide to do it online, you will need to access the account switching service .
Enter the name of your other bank or select it from the options provided. Once you have reached this point, you can choose the method you want to change your account:
With access to your other bank's online banking: the direct debits, recurring deposits and recurring transfers you have with your other bank will be automatically displayed so that you only have to select the ones you want to change.
If you do not want to enter your online banking details, you can choose the “manual account change” option. In this case, you will have to enter the details of the issuers to whom you want to notify the change manually.
In both cases, you will have to register for the service, which will allow you to access it whenever you want so you can do it at your own pace.
While both options will allow you to change your account effectively, doing so automatically is certainly much more convenient and faster.
If, despite all the facilities, you are one of those who prefer to manage this type of procedure in person, you can go to your nearest Caja Rural Group entity. Our financial advisors will be happy to welcome you and help you find the solution that best suits your needs.