银行将清理“沉睡账户”，卡里的钱怎么办？一文解惑

Core Viewpoint - Banks are initiating the cleanup of "sleeping accounts," which are defined as long-term inactive accounts, raising concerns among account holders about their rights and the status of their funds [1][6]. Group 1: Definition and Criteria of "Sleeping Accounts" - "Sleeping accounts" refer to personal or corporate accounts that have been inactive for an extended period, typically characterized by "long-term inactivity" and "low balance" [2][3]. - Most banks define long-term inactive accounts as those with a balance below 10 RMB and no transactions for over a year, although some banks may only clear accounts with zero balance [2][3]. Group 2: Variations in Bank Standards - Different banks have varying criteria for identifying long-term inactive accounts. For example, one bank may require a balance below 10 RMB and no transactions for three years, while another may have a threshold of 50 RMB and two years of inactivity [3][4]. - Certain accounts, such as social security and retirement accounts, are exempt from this cleanup process [3][4]. Group 3: Account Holder Rights and Notifications - During the cleanup process, banks will notify account holders via SMS or mobile banking alerts. To retain their accounts, holders must conduct at least one transaction before the cleanup [5][6]. - Even if an account is closed due to inactivity, account holders can reclaim any remaining funds [5][6]. Group 4: Reasons for Cleanup - The cleanup of long-term inactive accounts is part of a broader initiative by the National Financial Regulatory Administration to enhance financial consumer awareness and improve fund utilization efficiency [6]. - The cleanup aims to reduce the ineffective use of banking resources and mitigate potential risks associated with dormant accounts, such as fraud [6]. Group 5: Recommendations for Account Holders - Experts recommend that account holders regularly check their accounts, close unnecessary ones, and maintain minimal activity to avoid their accounts becoming inactive [7]. - It is advised to avoid using personal accounts for business purposes to prevent complications [7].