Since October 10, 2020, when the National "Card Breaking Action" Deployment Meeting of the Inter-ministerial Joint Conference of the State Council on Combating new types of illegal crimes in telecommunications networks was held, the "Card Breaking Action" has been launched in all walks of life across the country. Today, with the "card breaking operation" entering a tough period, many banks have responded to the "card breaking operation" and begun to clean up personal bank accounts that have not been used for a long time. A number of banks, including industrial and commercial bank of China, China Construction Bank, Postal Savings Bank of China, Guangfa Bank and other banks, issued announcements on clearing personal accounts that have not been moved for a long time.
The clean-up policy can be described as more and more stringent, and the scope of clean-up can be described as wider and wider. You can check your bank card according to the cleaning policy of the following banks, if there is an account that belongs to the scope of liquidation, and you want to continue to use, complete the account activation as required.
1. Industrial and Commercial Bank of China
Published: May 7, 2021
Scope of liquidation: As of June 30, 2021, where there have been no active customer transactions for more than three consecutive years (including three years), the account balance is zero, and no credit card, personal loan repayment and other collection and payment agreements have been signed (debit cards and current passbooks, the same below), their account functions will be adjusted to non-counter business only receiving and not paying.
Published: August 1, 2021
Scope of liquidation: As of August 20, 2021, there have been no active transactions of customers for more than two consecutive years (including two years), the account balance is less than or equal to 10 yuan, and the account functions of accounts that have not handled personal loans, deposits, funds, wealth management and other businesses will be adjusted to non-counter business only receiving and not paying.
2. China Construction Bank
Published: January 5, 2021
Scope of liquidation: As of October 31, 2020, no active transactions such as cash deposits, cash withdrawals, and transfers have occurred for more than three consecutive years (including three years), the account balance is 0, and there are no debit cards, quasi-credit cards, and current passbook accounts with contractual relationships such as credit card agreement repayment and personal loan repayment.
3. Agricultural Bank of China
Published: February 8, 2021
Scope of liquidation: As of December 31, 2020, debit cards with no transactions, zero deposit balances in the main and sub-accounts of the card and no other related businesses for more than three years (including three years).
4. Postal Savings Bank of China
Published: November 23, 2020
Scope of liquidation: The last active account transaction of the personal demand deposit account (including active account transactions such as deposit and withdrawal, remittance and remittance, and transfer, excluding non-customer active account transactions such as settlement interest, withholding interest tax, judicial inquiry, judicial freezing, judicial deduction and deduction of small account management fees, etc., the same below) is more than 3 years; the fixed and active two-pen account has not occurred for 3 years since the start interest date; the whole deposit and consolidation regular savings account (including the certificate of deposit) has not been agreed to be transferred, No business has occurred for 3 years after expiration (the agreed transfer is not set as a long-term immovable household).
5. Ping An Bank
Published: April 23, 2021
Scope of liquidation: (1) Long-term immovable households: As of December 31, 2020, there have been no active transactions such as cash deposits, cash withdrawals, and transfers for more than two consecutive years (including two years), the account balance is 0 yuan, and there is no Class I personal bank settlement account with a contracted relationship such as credit card repayment and personal loan repayment. (2) One person with multiple accounts: The same customer holds 5 or more normal or inactive Class I personal bank settlement accounts in our bank.
6. China CITIC Bank
Scope of cleanup: Class I households: the number of the same individual customer holding more than 4; Class II accounts: the number of the same individual customer holding more than 5; Class III: the number of the same individual customer holding more than 5.
7. Guangfa Bank
Published: January 19, 2021
Scope of liquidation: For personal current bank settlement accounts (excluding social security cards) that have not occurred in any active financial transactions of customers for more than five years, the RMB current balance is less than or equal to 100 yuan and the account has no foreign currency sub-account (including settlement) or the foreign currency sub-account balance is 0, the non-hanging periodic sub-account (including the settlement) or the regular sub-account balance is 0. Thereafter, the Bank will carry out a rolling account cancellation clearance for eligible accounts on a daily basis.
8. Industrial Bank
Scope of liquidation: (1) One person with multiple households: the same customer holds 5 or more personal RMB bank settlement accounts in our bank; or the same customer holds 4 or more personal debit card cards (except social security cards, medical insurance cards, and military security cards) in our bank. (2) Sleep account: The account balance is less than 10 yuan (inclusive), there is no personal loan repayment, savings treasury bonds, withholding and payment, tripartite depository and other contractual relationships of our bank, and the account has not occurred in any non-interest transactions for two consecutive years (inclusive) or more than (except financial social security cards and provident fund cards).
9. Everbright Bank
Published: May 6, 2021
Scope of cleanup: Carry out the cleaning of personal sleep accounts and long-term immovable accounts, focusing on the situation that one person holds more than 4 Everbright Bank Class I cards.
10. Shanghai Pudong Development Bank
Published: April 7, 2021
Scope of liquidation: The same customer will gradually clean up the situation that the same customer holds more than 20 Class I settlement account bank cards in our bank, the same customer holds more than 5 class II settlement account bank cards in our bank, and more than 5 class III settlement account bank cards.
11. Minsheng Bank
Published: February 22, 2021
Scope of liquidation: Accounts under the same individual customer's name that exceed the standard (more than 1 Class I household or more than 5 Class II households or more than 5 Class III households).
12. Huaxia Bank
Published: March 19, 2021
Cleanup scope:
(1) Individuals do not move their households for a long time
1. Our bank's personal settlement account that meets the following conditions will be cancelled:
(1) For more than 5 consecutive years (including) the customer has not actively incurred fund receipt and payment activities (excluding interest settlement, the same below) and the account balance is less than 10 yuan (inclusive), or for more than 3 consecutive years (inclusive) the customer has not actively incurred fund receipt and payment activities and the account balance is 0 yuan.
(2) No credit card agreement repayment, personal loan repayment, savings treasury bonds, steady win Lingtong, fixed live pass, withholding and payment, tripartite depository, consignment fund products, wealth management products, ETC business, precious metal transactions, consignment insurance, consignment trust signing business.
2. The personal settlement account of our bank that meets the following conditions will be restricted from trading (including but not limited to suspending non-counter business, only receiving and not paying, not receiving and not paying, adjusting the account category, etc., the same below): for more than 2 consecutive years (including) the customer has not taken the initiative to receive and pay funds, and the account balance is less than 10 yuan (inclusive).
(2) Individuals open multiple settlement accounts
Our bank's personal settlement account will be restricted from trading if the following conditions are met: accounts under the same customer name that exceed the standard (more than 1 Class I account or more than 5 Class II accounts or more than 5 Class III accounts).
(3) The basic information of individual customers is not perfect
Transactions will be restricted to our personal settlement account that meets the following conditions: the personal customer retention information is missing or incorrect, the identity document is invalid, and the document expires for more than 90 days (exclusive). The scope of basic information that individual customers need to verify and improve includes: name, gender, nationality, occupation, domicile or work address, contact telephone number, type, number and validity period of identity documents or identification documents.
13. Hengfeng Bank
Published: June 16, 2021
Scope of liquidation: There are more than 5 (inclusive) personal bank accounts of our bank (limited to one type of households), including debit cards, current passbooks, and live one-passbook accounts.
14. Bohai Bank
Published: February 5, 2021
Scope of liquidation: (1) Individuals open multiple bank settlement accounts: The same person opens more than 10 (inclusive) personal bank settlement accounts in the Bank that have not yet been cancelled. (2) Personal long-term immovable account: the account has not occurred for more than three consecutive years (inclusive) without non-interest transactions, and the account balance is less than RMB 1 yuan (inclusive) of the individual RMB demand deposit account (excluding time deposit accounts and "social security" cards).
(PS: This content is based on the announcement of the official website of each bank, please refer to the official instructions for details.) ）