When we are unable to obtain updates to required information from a customer, we begin restricting the account and eventually close it. Our account agreements give us broad rights to cancel any service on the account, such as checkwriting and bill payment. We would like to send the client a notice that if information is not provided, checking, bill payment and other services will be cancelled in 30 days and we will stop processing bill payments (including recurring scheduled payments) and will stop paying any checks presented after that. I did not find UCC or Reg E provisions addressing the closing of an account, but am trying to determine if we should be concerned about claims by a client for payments we reject. I'd appreciate an thoughts.