Bank accounts are not used or cancelled for a long time! There are banks to be cleaned up every year

Text, table / Yangcheng Evening News all-media reporter Huang Ting

Long-term "sleep" bank cards, in addition to may bring unnecessary account fees to users, may also lay hidden dangers for buying and selling bank card accounts and telecommunications fraud. Since January this year, the CCB, the Agricultural Bank of China, the Industrial Bank, Guangfa, CITIC, Huaxia and other banks have issued announcements saying that they will carry out the liquidation of long-term untouched households.

Yangcheng Evening News reporter found that different banks for the scope of "sleep account" definition and measures are slightly different, some banks also said that every year to "sleep account" and "exceeding the standard account" to carry out clean-up work.

What is a "sleep account"? Banking regulations vary

On March 19, Huaxia Bank issued the "Announcement on Clearing Individual Stock Accounts", saying that the bank will clean up individuals who have not moved for a long time. For customers who have not actively received and paid funds for more than 2 consecutive years (inclusive) and whose accounts are less than 10 yuan (inclusive), different measures such as account cancellation or restriction of transactions are taken.

Yangcheng Evening News reporter combed and found that at present, some banks such as CCB, Agricultural Bank, Industrial, Guangfa, CITIC, huaxia and other banks have issued announcements saying that they will clean up the "sleep account".

For long-term unmoved accounts, the definition criteria of each bank are slightly different, such as the object of guangfa bank account liquidation must also meet the conditions that no customer active financial transactions have occurred for more than five years, the RMB current balance is less than or equal to 100 yuan, and the settlement account of the individual demand bank is cleared; while the scope of the liquidation of the rural bank is more than three years (including three years) there is no transaction, the balance of the card master account and the sub-account are zero, and there is no other related business debit card.

There are also slight differences in the measures taken, the Agricultural Bank of China and the Construction Bank only cancel accounts, IB and Huaxia take measures to cancel accounts and restrict transactions, and CITIC only restricts transactions.

It is worth noting that in addition to cleaning up "sleep accounts", some banks have targeted the "exceeding the standard" of individuals opening multiple settlement accounts, including postal savings, Ping An, Minsheng, Xingye, CITIC, Huaxia and other banks. For example, Postal Savings, Minsheng and Huaxia all take transaction restriction measures against individual settlement accounts with more than 1 Class I account or more than 5 Class II accounts or more than 5 Class III households under the same customer's name.

In addition, a small number of banks have established a long-term mechanism for account clearance. CITIC said that it will clean up "sleep accounts" and "over-standard accounts" in the fourth quarter of each year (including 2021) to limit the trading function of accounts; Industrial Will clean up long-term untouched accounts in the 2nd and 3rd quarters of each year (including 2021); Huaxia will also continue to clean up eligible accounts every year.

"Sleep accounts" or "accomplices" in telecom fraud

The reporter noted that many banks explained the basis for this clean-up work in the announcement, which is the "Notice of the Chinese Bank on Strengthening the Management of Payment and Settlement to Prevent New Illegal Crimes in Telecommunications Networks". The Circular stipulates that the same person can only open one Class I account in the same bank; the bank shall conduct a survey and clean up of the situation in which the number of accounts opened by the same depositor is large, and require the depositor to make an explanation to verify the reasonableness of its account opening.

Gao Jun, managing director of Yinao Consulting, said that the bank's cleanup of "sleep accounts" is a measure to implement the requirements of the central bank's relevant account management, while reducing the waste of financial resources, improving operational efficiency, while preventing financial risks, ensuring the safety of personal bank accounts, and cracking down on telecommunications fraud.

"For individual cardholders, cardholders pay less attention to long-term unused 'sleep accounts', and cleaning up such accounts can also prevent unnecessary personal expenses, reduce personal credit risk, and ensure the safety of funds." Gao Jun said.

Bank card, mobile phone card, U shield, ID card information is known as the "four-piece set" of network telecommunications fraud, the reporter searched and found that in recent years, the sale of bank cards for telecommunications fraud cases have occurred from time to time. In 2019, a man in Xi'an acquired more than 100 bank cards from more than 40 people through relatives and friends, and mailed them to the line in batches through express delivery, most of which have been used for illegal and criminal activities such as telecommunications fraud, and the transaction flow is huge; the personnel involved are criminally detained by the Xi'an police according to law on suspicion of buying, illegally providing credit card information, and helping information network criminal activities.

Su Xiaorui, an expert in the retail finance industry, suggested that individual users should establish two types of awareness: one is the awareness of account inventory, regularly combing the accounts and assets under the individual name, and developing a good habit of checking accounts and bookkeeping; the other is the awareness of risk management, increasing protective measures in password settings, account login management, etc., and canceling redundant accounts in a timely manner to avoid the risk of being used illegally.

What if the user's personal account is within the scope of the cleanup and wants to continue to use it? Most banks said in the announcement that users should wait until the bank business outlets to go through the activation procedures with valid identity documents before the specified date. (For more news, please pay attention to Yangcheng Pie pai.ycwb.com)

Source| Yangcheng Evening News Yangcheng Pie

Responsible editor| Wang Danyang

The | of the trial and signing is Zheng Zongmin

Intern | Wu Jiafan