How to Deal with Inactive Bank Account?

Banks have so many rules and regulations. And these rules are required to keep the system safe and legal. At the same time, there are some rules which keep an eye on the usage of the bank account.

So if you don’t use the account for a long period of time. Then your account will not be active. The bank changes the status.

I am talking about the

What is an Inactive Bank Account?

It is an account that can no longer be used by the user until the bank authorizes the user. Here the user is the person whose name the bank account is.

How long does it take?

This time period depends upon the policies of the bank. And we all know that the policies keep changing from bank to bank.

But the usual time is 12 to 18 months. That is if you are not using your bank account for a period of 12 to 18 months. Then your account will turn inactive.

What are the different terms for this type of account?

Banks in different regions of the world follow different terminologies to denote this type of account. Some of the major ones are,

  • Inoperative Bank account.
  • Inactive bank account.
  • And dormant bank account.

All these three are one and the same. And there can be some other terms too. But all these denote or represent the bank accounts that have been turned inactive by the bank.

What can I do with my Inactive Bank Account? How to Deal with it?

There are 2 things you can do with your bank account. And they are,

  1. You can close down your inactive bank account permanently.
  2. And get the account reactivated and continue using it.

The choice remains with you and the banks allow you to do both things.

How to Close an Inactive Bank Account?

Already you have kept your account inactive that means you have not used the account for a long period of time. That is the reason why the bank has turned your account inactive.

But if you don’t want the account to exist. Then you can ask the bank to close the account for you. Just get in touch with the bank and tell the bank you want to close your account.

The bank will provide you the. You have to fill this form in order to close the account.

How to Reactive Inactive Bank Account?

If you wish to get your account back and continue using it then you have this choice with you. To do this you will have to contact your bank.

And tell the bank that your account has turned inactive and you wish to get the account back.

The bank will guide you through you how you can regain access to the account. Usually, this is done for free. But there are also some banks that charge for the reactivation.

What about my Money in the Inactive Account?

If you have any money in the account then you reserve the complete right to get it. And the banks will not block you from accessing your money.

Your money is completely safe. You can either withdraw the money or get it transferred to another account that you own. This account can be with the same bank or a different bank.


As the account is not active you can not make any kind of changes to it online. You will have to contact your bank using offline means only.

Alen Parker

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