Today, work cannot be done without banking services. Even if you have a savings account, you must. But it is also necessary to maintain a savings account. If you do not do any transaction in the bank account for more than 1 year, then your bank account can be closed. However, it does not turn off so that it cannot be turned on again. Rather it becomes inactive. If the account remains dormant for 2 years, then it is put in the dormant category. The easy way to avoid this situation is to keep doing any transaction from the account every two months. You can do this by bill, cheque, cash or cash withdrawal. Now-a-days due to UPI, you can keep the bank account running even with digital payment.
problem may come
Now many people have more than one bank account. You can also join such people. The more you eat, the more tension you have. Because you have to manage all the accounts. Failure to do so may result in the account being closed. If you do not get the closed account activated on time, then you will also have to pay a penalty for being late. If you do not keep an account active for 2 years and your account gets closed, then how can you get it activated again, here we will give you information about the same.
How to keep account active
If you have not done any transaction in savings or current account for a year (except interest deposited with the bank and deduction of service charges) then your account will be disconnected by the bank. However, this information is given by banks through messages etc.
After more than 2 years
The account will be deactivated or dormant after the lapse of more than 2 years. You can keep the account alive by transacting through cheque, depositing cash, depositing money through cheque, withdrawing or depositing cash through ATMs and through internet banking transactions.
Why does the bank take this step?
The big question is why does the bank take steps like deactivating the account. The bank takes steps to deactivate the account to ensure the security of your account and protect your money from fraud. In fact, in that case, you yourself will not be able to transact with your account until the account is activated again. So the question of fraud does not arise.
How to get account activated again
The inactive bank account can be reactivated so that you can start operating it again or close it. The reactivation process varies among banks. The account is usually activated within 24 hours. For this, the account holder will have to do the transaction by check or ATM. If one has other active accounts, he/she can send a secure message to the bank from his/her personal Internet Banking ID. For this, instructions will have to be given to debit at least one rupee from this account to another account.
