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You will need to have your finances in order so you don't get any fees from having bounced checks and so on. Go to the Halifax bank and open an account with the minimum deposit. You will want to overlap the two accounts so that the changes to any direct deposit or billing can be made (by you) to the new account and so that you can be sure than there are no charges/checks hanging out there. Finally, they can help you request a transfer of your leftover funds from the other bank. However, you'll probably have to personally close the old account.

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