متي يصبح حسابك راكدا ؟ وما خطورة ذلك وكيف تنشط الحساب؟

Summary

Dr. Mohamed Al-Ajami discusses the implications of frozen bank accounts, emphasizing the importance of maintaining account activity to prevent accounts from becoming inactive. He explains that current accounts may freeze after one year of inactivity, while savings accounts do so after two years. Customers are advised to perform at least one transaction annually to keep their accounts active and avoid potential fees. If an account becomes frozen, reactivation typically requires a visit to the bank. The discussion aims to enhance customer awareness of banking practices and encourage financial stability.

Takeaways

• 😀 A dormant bank account is one that has had no transactions for a specific period: one year for current accounts and two years for savings accounts.
• 💰 Customers should perform at least one transaction annually to prevent their accounts from becoming dormant.
• ⚠️ A dormant account can lead to difficulties accessing funds, especially during emergencies.
• 🏦 If an account becomes dormant, customers need to visit their bank branch in person to reactivate it.
• 🆔 It is essential to bring valid identification when reactivating a dormant account to avoid issues.
• 🔄 Having other active accounts at the same bank may facilitate the reactivation of a dormant account through online or mobile banking.
• ❌ If an account balance is zero and remains dormant, the bank may close the account without losing any deposited funds.
• 📅 Regularly checking account activity is crucial to maintaining an active status and avoiding dormancy.
• 📝 Customers are encouraged to update their personal information with the bank to prevent complications regarding account status.
• 🚫 If you no longer wish to maintain an account, it is better to close it rather than allow it to go dormant.

Q & A

What is a dormant bank account?

A dormant bank account is one that has had no transactions for a specified period: one year for current accounts and two years for savings accounts.

Why is having a dormant account a concern for customers?

Dormant accounts can create inconvenience, especially when customers need to access their funds urgently, as they may be unable to perform transactions until the account is reactivated.

What types of transactions can prevent an account from becoming dormant?

To keep an account active, customers should perform at least one of the following transactions each year: withdrawal, deposit, transfer, or electronic inquiry.

What should a customer do if their account has become dormant?

If an account is dormant, the customer should visit the bank to update their information and reactivate the account. If they have other active accounts with the same bank, they may be able to reactivate the dormant account through online banking or a mobile app.

Can a bank close a dormant account?

Yes, if a dormant account has a zero balance, the bank has the right to close it. However, if there are remaining funds, the account cannot be closed without the account holder's action.

What are the implications of an account being classified as dormant?

Once classified as dormant, customers may lose the ability to conduct transactions like withdrawals or transfers until they reactivate the account.

How often should customers check their account activity?

Customers should regularly monitor their accounts and perform transactions at least once a year to avoid dormancy and associated fees.

What kind of transactions do not count toward keeping an account active?

Transactions such as interest credits or bank fees do not count as activities that keep the account active; only specific transactions like deposits or withdrawals count.

What documents are needed to reactivate a dormant account?

To reactivate a dormant account, customers need to provide valid identification, such as a current national ID card, when visiting the bank.

How can customers avoid dormancy in their accounts?

Customers can avoid dormancy by conducting regular transactions, maintaining a minimum balance, and ensuring they have sufficient funds to cover any applicable fees.