PROSEDUR PENUTUPAN REKENING TABUNGAN TAPLUS OLEH AHLI WARIS PADA PT BANK NEGARA INDONESIA (PERSERO) TBK KANTOR CABANG PEMBANTU UNIVERSITAS MUHAMMADIYAH MALANG

The purpose of this writing is to find out how the procedure for closing taplus savings account by heirs at Bank Bank Negara Indonesia Kantor Cabang Pembantu University of Muhammadiyah Malang. Procedure is an activity that pccurs repeatedly to arcieve a final goal. The method used in this writing is descriptive qualitative to find out how the account closing procedure is carried out by the heir and find out what conditions are needed by an heir in carrying out the account closing process. In the procedurefor closing a taplus savings account on a deceased customer by the first heir,namely an heir must firts prepare the required requirements such as a death certificate, heir letter, original ID card of the heir, passbook of the deceased customer, ATM of the deceased customer, family card, and ID card of the heir. Then after all the conditions are met, the account closing process can be carried out in a way that a customer must close the account in accordance with the applicable procedures. The closing procedure at BNI KCP UMM bank is inituated by the customer,security guard, customer servive, teller, branch leader, and finally by customer service.