多家银行宣布！长期不动账户将被清理

Core Viewpoint - Multiple banks are initiating the cleanup of long-dormant accounts to enhance financial security and operational efficiency while preventing risks such as telecom fraud and money laundering [2][4]. Group 1: Bank Announcements - On October 16, Hubei Yuanan Rural Commercial Bank announced a cleanup of personal bank accounts, including long-dormant accounts and those with missing or expired identity information [3]. - Other banks, such as Gui'an Development Village Bank, are also cleaning accounts that have had no transactions for over a year, excluding interest accruals [3]. - Industrial Bank has adjusted its criteria for identifying long-dormant accounts, lowering the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [3]. Group 2: Risk Prevention - The ongoing cleanup of long-dormant accounts is aimed at strengthening account management and safeguarding customer funds against telecom fraud risks [4]. - Long-dormant accounts can lead to wasted financial resources and expose consumers to potential fraud, as inactive accounts may result in unmonitored sensitive information [4][5]. - The initiative is seen as a way to optimize customer account management, allowing clients to better understand their account situations and manage their funds effectively [5]. Group 3: Consumer Recommendations - Industry experts recommend that consumers regularly review and manage their bank accounts, promptly closing any that are no longer in use [6]. - Consumers can utilize services like the "one-click card check" feature on the Cloud Flash Payment app to monitor their bank accounts [6]. - Banks advise customers to perform at least one transaction on accounts identified as long-dormant to avoid restrictions, and to be cautious of any requests for sensitive information during the cleanup process [6].