Yes, generally banks will convert personal accounts that have not been used for a long time and have a zero balance into "sleep accounts", but will not cancel the card. Normal use requires user reactivation.

According to the "Measures for the Administration of RMB Bank Settlement Accounts":

Article 56

The bank shall be responsible for any payment that has not occurred within one year and does not owe the bank where the account is opened. For the unit's bank settlement account with debts, the unit should be notified to handle the account cancellation procedures within 30 days from the date of issuance of the notice. Overdue account cancellation will be deemed as voluntary account cancellation, and untransferred funds will be included in the special account management that has not been withdrawn for a long time.

Article 46

If the depositor changes his name but does not change the bank and account number, he should submit an application for changing the bank settlement account to the bank within 5 working days. And issue certification documents from relevant departments.

Article 47

When the unit’s legal representative or principal person in charge, address and other account opening information changes, it shall notify the account opening bank in writing within 5 working days and Provide relevant evidence.

Article 48

After receiving the change notice from the depositor, the bank shall promptly handle the change procedures and report to the People's Bank of China within 2 working days.

Article 49

In any of the following circumstances, the depositor shall apply to the bank where the account is opened to cancel the bank settlement account:

(1) Be merged, dissolved, declared bankrupt or closed down.

(2) The business license is canceled or revoked.

(3) It is necessary to change the bank where the account is opened due to relocation.

(4) The bank settlement account needs to be canceled for other reasons.

If the depositor falls under the circumstances mentioned in items 1 and 2 of this article, he shall submit an application to cancel the bank settlement account to the bank where the account is opened within 5 working days.

The term "revocation" as mentioned in this article refers to the depositor's behavior of terminating the use of a bank settlement account due to account opening qualifications or other reasons.

Article 50

If a depositor cancels his basic deposit account due to the reasons stated in Article 49 (1) and (2) of these Measures, the bank where the depositor’s basic deposit account is opened shall automatically Within 2 working days from the date of cancellation of the bank settlement account, the depositor's bank with other bank settlement accounts will be notified in writing of the cancellation of the basic deposit account.

The bank where the depositor’s other bank settlement account is opened shall notify the depositor to cancel the relevant bank settlement account within 2 working days from the date of receipt of the notice; the depositor shall within 3 working days from the date of receipt of the notice Cancellation of other bank settlement accounts shall be processed within 3 working days.

Article 51

The bank learns that the depositor has the circumstances in Items 1 and 2 of Article 49 of these Measures, and the depositor fails to take the initiative to cancel the bank settlement within the prescribed period. If the account procedures are not completed, the bank has the right to stop external payments from its bank settlement account.

Extended information:

According to the "RMB Bank Settlement Account Management Measures":

Article 39

Personal bank settlement account Used to handle personal transfers, payments and cash deposits and withdrawals. The following amounts can be transferred to personal bank settlement accounts:

(1) Salary and bonus income.

(2) Income from services such as royalties and performance fees.

(3) Principal and income from investments such as bonds, futures, trusts, etc.

(4) Income from personal claims or property rights transfer.

(5) Personal loan transfer.

(6) Securities transaction settlement funds and futures trading margin.

(7) Inheritance and donation funds.

(8) Insurance claims, premium refunds, etc.

(9) Tax refund.

(10) Sales income from agricultural, sideline and mineral products.

(11) Other legal funds.

Article 40

If the amount paid by the unit from its bank settlement account to an individual's bank settlement account exceeds 50,000 yuan, the following payment basis shall be provided to the bank where the account is opened. [3]:

(1) Salary distribution agreement and payee list.

(2) Proof of award.

(3) The labor contract signed by the press, publication, performance organizer, etc. and the payee or the proof of the payment to the individual.

(4) Proof of payment or refund to natural persons by securities companies, futures companies, trust investment companies, lottery issuance or underwriting departments.

(5) Creditor's rights or property rights transfer agreement.

(6) Loan contract.

(7) Certificate from the insurance company.

(8) Certification from the tax collection and administration department.

(9) Purchase and sales contracts for agricultural, sideline and mineral products.

(10) Proof of other legal funds.

If the payment from the unit's bank settlement account to the individual's bank settlement account is taxable, the tax withholding unit shall provide a tax payment certificate to the bank where the account is opened when making the payment.

Article 41

In case of any of the following circumstances, the individual shall provide the relevant basis for collection as stipulated in Article 40 of these Measures.

(1) An individual holds a check drawn by the drawer and entrusts the bank with the account to collect the money and transfer the money to his personal bank settlement account.

(2) An individual presents the bank draft and cashier's check issued by the applicant to the bank where the account is opened for payment, and transfers the money to his or her personal bank settlement account.

Article 42

If the unit’s bank settlement account pays to an individual’s bank settlement account, the bank shall carefully review the basis for payment in accordance with Articles 40 and 41 Or the original copy of the receipt basis, and keep a copy and keep it as an accounting file. If the relevant basis is not provided or the relevant basis does not comply with the regulations, the bank shall refuse to handle it.

Baidu Encyclopedia-RMB Bank Settlement Account Management Measures