Sleep accounts refer to idle accounts that customers have not used for a long time, but different financial institutions have different understandings of sleep accounts. For example, CITIC Bank defines an account that has not generated all interest-free transactions for more than three years and has an account balance of less than 65,438+00 yuan as a sleep account. China Construction Bank has no active market transactions for more than three years, and its account balance is zero. It can be found that no transaction and less account balance are important evidence for financial institutions to distinguish sleep accounts. If you have this kind of savings card, you can cancel your account in a financial institution.
On June 5438+10/October 65438 +065438 +0, 2022, ICBC will gradually adjust the account roles of personal online banking accounts such as "long-term inactivity" and "one person with multiple accounts". According to the notice, as of June 5438+1October 10, 2022, there has been no active customer transaction for more than three years (including three years), the current account balance is less than 10 yuan RMB, and accounts without payment agreements such as bank credit cards and personal loan repayment will be included in the adjustment category. Compared with ICBC's removal of long-term inactive personal online banking accounts last year, the scope of this round of "sleep accounts" has been expanded. Prior to this, an account with a balance of 0 will be classified as a "sleep account", but the current account balance below 10 yuan may also be classified as a "sleep account".
In real life, because it takes a long time to solve the problem of savings cards, some users may have forgotten how many savings cards there are in their accounts and cannot set up savings card accounts. In a branch of ICBC, the staff told the reporter that users can go to the self-service counter of the branch to check how many savings cards there are under their account and what the actual account situation is. "If some card use decisions are unnecessary, you can transfer the internal account balance and cancel the bank card at the self-service desk immediately." The staff member said that if it belongs to a "sleep account" but wants to keep it, it can make a transfer transaction in a financial institution before a certain time, which is regarded as an exciting account, and the trading function of the account is not restricted.
"For ordinary users, cleaning up sleep accounts by financial institutions is conducive to preventing their own risks, preventing their accounts from being used by criminals, and building a line of defense for the security of financial institutions' accounts. "Ordinary users should shape the concept of account summary, organize their accounts and property on time, and cultivate the good habit of auditing accounts; Secondly, strengthen the protection measures at the levels of password setting and account login management methods, and immediately close the remaining accounts to prevent the risk of illegal application.