Do you remember how many bank accounts you have in your name? How long have these accounts not been used? How much balance is there in the account?
Recently, Industrial and Commercial Bank of China, Agricultural Bank of China and other banks have successively issued announcements saying that they will carry out reminders and reminders for "sleeping accounts", which has attracted widespread attention
A number of banks have recently issued announcements through their websites, outlets and other channels to remind customers to pay attention to their "dormant accounts", and many banks have begun to remind owners of "dormant accounts" to activate their accounts or cancel their accounts.
What is a "dormant account"?
The central bank previously announced that as of the end of 2023, a total of 9.787 billion bank cards have been opened across the country, of which 9.020 billion are debit cards, and 6.93 bank cards are held per capita, of which 0.54 are credit cards and debit cards per capita. Behind this huge number, there is the problem of "sleeping accounts".
A dormant account is a personal bank account that has not had active transactions for 5 years or more and has a balance in the account.
According to the announcement, the scope of "dormant accounts" of ICBC and ABC refers to personal bank accounts that have not had active transactions for 5 years or more and have balances in the accounts as of September 30, 2023.
These include:
(1) Current savings or settlement accounts (excluding credit card accounts) that have not been actively traded for 5 years or more;
(2) Fixed deposit accounts that do not automatically roll over at maturity and have not been actively traded for 5 years or more from the date of maturity.
Among them, active transactions refer to transactions other than interest calculation and account management fees, such as cash deposits, cash withdrawals, transfers, and consumption.
At present, the reminder work of the two major banks has begun, and the deadline is October 15 this year.
Why Clean Up "Dormant Accounts"?
"Dormant accounts" will cause consumers' personal funds to be idle in the accounts of banking and insurance institutions, and may increase unnecessary expenses such as account management fees, affecting consumers' property rights and interests.
In addition, consumers often forget about "dormant accounts", it is difficult to pay attention to account changes, and once personal sensitive information is leaked, it is easy for criminals to steal money laundering, wire fraud and other illegal activities.
How to know if you have a "dormant account"
Or how many "dormant accounts" there are?
Bank Alert Notifications
The bank will take the initiative to remind and notify eligible "dormant accounts" by phone call, SMS, letter, official app or WeChat push. After receiving the prompt message, the user can follow the instructions to proceed to the next specific collection operation.
User-directed queries
Users can also independently inquire about their "dormant accounts". Actively sort out all kinds of bank cards held by me, and promptly cancel bank cards that have not been used for a long time. At the same time, you can also check the account opening and balance through the branches of banking institutions, or official online channels such as mobile banking.
In addition, if there is a change in contact information or mailing address, please contact the bank in time to change it so that you can get in touch.
In addition, in the process of managing personal "dormant accounts", users can continue to keep the accounts or close them according to their own wishes. However, it should be noted that some "dormant accounts" may be charged an annual debit card fee or a small account management fee if there is no special reduction, and users can check with the banking institution if there is a reduction policy.
Bank Alerts
During the account reminder period, the bank will not require customers to make non-counter transfers and other operations involving account funds for any reason, nor will it send network links such as "activate account" and "wake up sleeping account".
After receiving a reminder
How do I wake up a "sleeping account"?
It is understood that the owner of the "sleeping account" only needs to take his ID card and bank card or passbook to the nearest bank branch to activate the account, and if the account is no longer needed, the account can also be cancelled directly. Some banks also offer mobile banking activation.
A number of banks also said that for customers who are inconvenient to go to bank outlets to go through the activation procedures, such as the elderly, banks can arrange door-to-door services to help customers activate.
Have you been waking up your "sleeping account" recently?
Source: Network Comprehensive Editor: Zhang Jingning Preliminary Review: Yu Chengyao Review: Xiao Guoping Final Review: Xiao Jiuhui Business Cooperation, News Clues, Cracking Down on Fake News Reporting: 0598-2322923 Submission Email: [email protected]
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