Account Closing

Accounts that can be closed are:

• Adult Accounts.
• Children Accounts.

Documents required     :

• Identification documents:
  MyKad, MyKid, MyArmed Forces, Birth Certificate, Adoption Certificate and International Passport
  (Official document as proof of personal details).

The process of TH accounts closure at TH counters is as follows:

1. Depositors / Legal Guardians (based on records in TH’s system) to be present at TH counters.
2. Present the completed documents. 
3. Payment methods for closing of accounts are:- 
   • By cash deposit, for amounts up to RM10,000.00.
   • Account transfer between two TH accounts.
   • By Telegraphic Transfer.
   • Donation to the Tabung Kebajikan Jemaah Haji Malaysia (TKJHM).     
4. Forms to be completed: Borang JP011: Borang Permohonan Penutupan Akaun.

Inheritance Claims

Closing of accounts (of the deceased) can be carried out by:

• Nominees.
• Trustees.
• Heirs according to the Islamic law / Faraid by producing a letter of Attorney / Order (Syariah Court / Civil Court / Land Office’s Small Claim / Amanah Raya Berhad).

The processes of closing a TH account of the deceased     : 

1. Nominee or Trustee or Heir to be present at TH counter.
2. Present completed documents.
3. Forms to be completed: 

• JP005: Borang Permohonan Pengeluaran Pusaka
• JP006: Borang Akuan Waris Pengeluaran Pusaka

4. Payment methods of inheritance: 

• Credit to recipient’s TH account.
• By cheque.
• Donation to the Tabung Kebajikan Jemaah Haji Malaysia (TKJHM).

Documents required:

• Applicant’s Identification Document.
• Depositor’s Death Certificate / Overseas Death Report (issued by the National Registration Department Malaysia).
• Authorisation Letter / Order (in the absence of Nominees /Trustees).
• Legal Guardian’s Identification Document (in the event of Nominees / Trustees are under 18 years of age).
• Birth Certificate (in the event of Nominees / Trustees are under 18 years of age).
• Death Certificate / Overseas Death Report of Nominees / Trustees / Heirs who have passed away.
• Wife / Husband’s Marriage Certificate (account balance of less than RM1,000.00 and without Nominees / Trustees / Letter of Authorisation / Order).
• Heir’s Birth Certificate (account balance of less than RM1,000.00 and without Nominees / Trustees / Letter of Authorisation / Order).

Hibah Amanah Claim

Closing of accounts of Hibah Amanah Benefactors (the deceased) can be carried out by:

• Hibah Amanah Beneficiary / *Legal Guardian named in the TH Hibah Amanah document.

Processes to claim Hibah Amanah     :

1. Hibah Amanah Beneficiary/ *Legal Guardian to be present at any TH counters.
2. Present the completed documents.
3. Forms to be completed: 
   • JP035: Borang Tuntutan Pengeluaran Hibah Amanah TH/ *Penamaan.
4. Methods of payment 
   • Credited to TH account of Hibah Amanah Beneficiary / Legal Guardian
   • By Cheque.
   • By Telegraphic Transfer.
   • Donation to the Tabung Kebajikan Jemaah Haji Malaysia (TKJHM).

Documents required:

• Hibah Amanah Benefactor’s Death Certificate / Overseas Death Report.
• Identification Document of the Hibah Amanah Beneficiary / Legal Guardian / Nominee.

Closing of TH accounts in condition of Comatose / Incompetent / Incapacitated / Senile / Mentally Unstable Depositors.

Closing of accounts can be carried out by the next of kin.

Documents required:

• Completed application letter from the next of kin.
• Copies of identification documents of the depositor and the next of kin (to be certified by TH staff).
• Doctor’s Confirmation Letter: 
  • Government / Private Hospitals; or
  • Government / Private Clinics.
• Borang Jaminan Gantirugi (JP025)      –      duly stamped by the next of kin submitting the application form.
• Thumbprint of the next of kin (applicant) on copies of identification documents.
• Written approval from all heirs and nominees. Copies of identification documents are to be attached.
• In the event where the applicant is the sole heir, confirmation from one of the following is required: 
  • The Penghulu.
  • Community leader (Sabah/ Sarawak).
  • Commissioner for Oaths.
• Visit by two authorised TH staff to the hospital / depositor’s place of residence     .
• Current photograph of the depositor with consent of the next of kin / hospital.
• In the event of the next of kin / hospital did not give consent for photographs, to provide confirmation      in the visit confirmation report is required.
• Prepare the visit confirmation report which is signed by the two authorised TH staff.
• Submit the application to the Headquarters for approval.

Notes:

Only applicable for this category :

1. Payment is made only through transfer from TH Savings to TH Account. 
   • JP form is not required. 
   • Depositor’s thumbprint is not required.
2. Heir/ next of kin means heir under the Islamic Law aged 18 years and above.
3. Official application letter from the next of kin must contain the following information: 
   • Telephone number.
   • Applicant’s signature.
   • Purpose of withdrawal.
   • Withdrawal amount or closing of account options.
   • TH account numbers of the depositor and applicant.
   • Identification document number of the depositor and applicant.
   • Depositor’s name.
   • Date. 
   • Applicant’s name and address.

The authorities (Court / Insolvency Department / Malaysian Royal Police (PDRM) / Malaysian Anti-Corruption Commission (SPRM)) may order TH to close certain depositors’ account by issuing/presenting a court order.

Depositors’ accounts with no transaction for more than 7 years will be classified as Inactive Accounts, in accordance with the Regulations and the Tabung Haji Act (1995).

Starting from 2018, Inactive Accounts shall no longer receive distribution of the Annual Hibah. 

TH is exempted from surrendering the money from the Inactive Accounts to the Registrar of Unclaimed Money. As such, the Depositor or his Beneficiary can still make a claim on the Inactive Account’s balance, at any time, by submitting such documents which may be prescribed by TH.

Closing of accounts can be carried out at all TH counters:

• TH State Offices.
• TH Branches.
• TH Urban Transformation Centre (UTC). 
• TH Islamic Financial Services Centre (IFiC).
• Service Centres (not involving cash payments).
• TH Community (disbursement not exceeding RM2,000).