Cause of the incident Recently, many banks, such as China Construction Bank, China CITIC Bank and Postal Savings Bank, announced to clean up some abnormal accounts, including those that have not traded for a long time and have no funds? Sleep account? As well as redundant accounts under the same customer's name, will be cancelled by banks, and more banks will join the team to clean up idle bank accounts later.

According to the Announcement on Clearing Long-term Immovable Personal Bank Accounts issued by China Construction Bank official website on October 5, 20021year, as of June 3, 20201day, there was no active transaction such as cash deposit and withdrawal or transfer for more than three consecutive years (including three years), the account balance was zero, and there was no agreed repayment by credit card.

In addition, on February 25th, 2020, 1, CITIC Bank issued a notice saying that from October 8th, 2026, individual settlement accounts with account balances below 10 yuan (inclusive) and without any interest-bearing transactions for two consecutive years (inclusive) will be cleared. The same customer holding more than 100 normal or inactive personal settlement accounts in CITIC Bank will also be restricted from trading.

Balance processing According to official sources, the balance of sleep accounts is generally small. The sleep account of China Construction Bank refers to the account with a balance of 0, and the sleep account of CITIC Bank refers to the account with a balance less than 10 RMB. When you cancel your sleep account, you also need to deduct a certain fee. Generally speaking, there is not much balance in the card at this time. Therefore, the balance in the card is generally not returned to the head of the household.

The impact of the incident is that the advantages outweigh the disadvantages. Too many personal accounts not only waste bank resources, but also some people make illegal transactions in bank accounts and profit from them. In telecom fraud, many illegally traded bank cards have become tools for criminals to launder money. Therefore, reducing sleep accounts and excess accounts in time can reduce the possibility of fraud to some extent. On the other hand, due to the limitation of working hours in banks, many people do not cancel their unused cards, accumulating a lot of redundant cards, resulting in a waste of social resources. Cleaning up personal sleep accounts can alleviate this problem to some extent.

Finally, because the bank will register the number of individual settlement accounts in the same customer's name that exceed the standard (that is, 1 household Class I, 5 households Class II and 5 households Class III). Serious will even limit financial services. Here, we suggest that you cancel the unused account in time to reduce unnecessary risks.