The bank's "card breaking" operation is still in progress, and those with a balance of less than 10 yuan in bank cards have also entered the scope of investigation and cleanup.
According to the announcement issued by ICBC, as of January 10, 2023, there have been no active transactions by customers for more than three consecutive years (including three years), and the current account balance is less than 10 yuan. Accounts without credit card, personal loan repayment and other collection and payment agreements have been included in ICBC's investigation and liquidation scope.
The scope of cleanup has been expanded
According to the "Notice on Carrying out Investigation of Personal Bank Accounts for "Long-term Immobility" and "One Person with Multiple Accounts" issued by ICBC on January 11, 2023 , ICBC will gradually adjust the account functions of personal bank accounts that have been inactive for a long time.
In addition, if an individual opens multiple settlement accounts under the same customer name and holds more than 4 first-class personal settlement accounts, and fails to reasonably explain the use of multiple accounts at ICBC outlets, the account functions will be Adjusted to only collect and not pay.
In fact, this is not the first time that ICBC has issued an announcement to clean up dormant accounts. As early as July 2021, ICBC issued the "Notice on Cleaning up Personal Bank Accounts that have not been used for a long time", saying that it will clean up personal bank accounts (debit cards and current passbooks) that users have not used for a long time. At that time, the bank was cleaning up "dormant accounts" from "long-term inactive accounts" to "one person with multiple accounts". Excess accounts under the same customer's name would also be canceled by the bank.
It is found that the scope of sleep account cleaning has expanded this round. In the past, an account balance of zero could be classified as a sleep account, but this cleanup stipulates that an account balance of less than 10 yuan may also be classified as a sleep account.
Cleaning results appear
In fact, since last year, many banks have issued announcements about cleaning up dormant accounts, and the scope of cleaning up dormant accounts has also been upgraded. For example. Last year, China Everbright Bank also cleaned up personal sleep accounts and long-term fixed accounts, focusing on situations where one person holds more than four bank-type cards; Ping An Bank and Industrial Bank also issued announcements on cleaning up stock accounts, including "one person with multiple accounts" and “long-term inactive accounts.”
Through the collaboration of multiple organizations, the results of cleaning up sleep accounts have been remarkable. The "card disconnection" data released by the People's Bank of China (hereinafter referred to as the "Central Bank") in November 2021 shows that the central bank urges banks and payment institutions to clean up abnormal bank accounts such as "inactive accounts", "multiple cards per person", and frequent card loss and replacement. 1.48 billion. It also strictly investigated fraud and illegal activities in the payment field, carried out special inspections on more than 130 banks and payment institutions, and suspended the account opening business of 620 bank outlets for 1 to 6 months. According to the National "Punch-in" Action Promotion Conference, the number of telecommunications network fraud cases nationwide has dropped for three consecutive months, and the average monthly number of bank accounts of the units involved has dropped significantly year-on-year.
Wang Pengbo said that public data shows that individuals and financial institutions will be punished for violations, and regulatory penalties for telecommunications fraud are also constantly strengthening. This is the reason why many financial institutions are still upgrading and cleaning up the scope of dormant accounts from last year to this year, and it is also a manifestation of financial institutions' active performance of their duties. Related questions and answers: