You don't need to have her present to close a joint account; either of you could do it. If you don't, she eventually will after draining the account. Just go down and close out the account and then at hand-off just say in passing that you closed it out.
In the end, it's not the years in your life that count. It's the life in your years. Abraham Lincoln
It is hard to fail, but it is worse never to have tried to succeed. Theodore Roosevelt
