多家银行发布公告：这些账户将被清理

Core Viewpoint - Multiple banks are initiating the cleanup of long-dormant accounts, which include both personal and corporate accounts, to mitigate risks associated with fraud and money laundering [1][3]. Group 1: Bank Actions - Several banks, including Industrial Bank and Bank of China, have announced measures to restrict transactions on accounts identified as long-dormant starting from October 15 [2]. - Industrial Bank has adjusted its criteria for identifying long-dormant accounts, changing the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [2]. - Other local banks, such as Fengtai Rural Commercial Bank and Huludao Bank, have also issued warnings regarding the cleanup of long-dormant accounts [2]. Group 2: Reasons for Cleanup - The cleanup of long-dormant accounts is driven by regulatory requirements and aims to prevent risks related to telecom fraud and money laundering [3]. - Long-dormant accounts, often referred to as "sleeping accounts," can lead to wasted financial resources and expose consumers to increased risks of fraud [3]. Group 3: Consumer Recommendations - Industry experts recommend that consumers regularly monitor and manage their bank accounts, including closing any accounts that are no longer in use [4]. - Consumers are advised to use services like the "one-click card check" feature in the Cloud Flash Payment app to track their bank accounts [4]. - If an account is identified as long-dormant but still needed, consumers should conduct at least one transaction before the bank's restrictions take effect to avoid complications [4]. Group 4: Account Recovery Process - If a bank account is frozen due to being classified as long-dormant, account holders can visit bank branches with their identification and bank card to reactivate their accounts [5]. - Banks emphasize that they will not request sensitive information such as passwords or verification codes through phone calls or messages during the cleanup process [5].