近期，多家银行发布公告称，将进一步清理个人长期不动的银行卡账户。其中，兴业银行等近期已将个 人长期不动户的认定标准从此前的100元下调至10元，并延长了长期不动户未发生任何非结息交易的时 间。对于被冻结的账户，记者采访的多家银行客服人员均表示，持卡人持本人身份证、银行卡等前往银 行网点办理卡片激活业务后，可将卡片中的资金取出。 ...

Core Viewpoint - Recent actions by multiple banks to clean up "sleeping bank cards" aim to enhance account management and reduce financial risks associated with dormant accounts [1][4][5] Group 1: Bank Actions - Several banks, including Zhongyuan Bank and Shunde Rural Commercial Bank, have announced initiatives to clean up long-unused personal bank accounts, starting from September 1, 2023 [1][3] - Shunde Rural Commercial Bank plans to gradually close accounts identified as inactive by August 1, 2025, which will be permanently unusable after closure [3] - Hubei Bank has also conducted a cleanup of long-dormant accounts from May 29 to June 29, 2023, with plans for annual reviews of eligible accounts [3] Group 2: Definition and Criteria - "Sleeping accounts" are defined as those that have not had any active transactions for five years or more, although banks may have varying criteria for identifying such accounts [3][4] - Zhongyuan Bank's criteria for cleaning include accounts that have not had any transactions for two years or more and have a balance of 10 RMB or less [3] - Hubei Bank's criteria specify accounts that have not had any transactions for three years or more and have a zero balance [3] Group 3: Regulatory and Security Implications - The National Financial Regulatory Administration has initiated a special project to remind banks about "sleeping accounts," leading to a broader cleanup effort across over 50 banks [4] - The cleanup is intended to enhance customer fund security and improve banks' account management, thereby reducing financial risks [4][5] - Cleaning up dormant accounts is also seen as a measure to prevent fraud, as unused accounts can be exploited for illicit activities [5]