refers to a company account or individual account that has not used the collection and payment function for more than one year, and a long-term suspended account is also called a long-term fixed account. Long-term suspension of bank cards will take up a lot of bank resources in the bank, so the bank will remind the users of long-term suspension of bank cards to handle the account cancellation business in time. If the users fail to do so within the time limit, they will automatically close the account, and the unused amount in the account will be transferred to the long-term suspension management account. Generally speaking, there are two reasons for the long-term suspension of accounts:

1. Users do not close their accounts because of the small balance in their accounts and complicated procedures;

2. The bank can't notify the user to cancel the account because the user changes or the user information changes.