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].

《每日经济新闻》记者（以下简称每经记者）注意到，近日多家银行先后发布类似公告，将对长期不动户进行清理，包括个人长期不动户和单位长期不动 户。各家银行对长期不动户的认定标准有所不同，但普遍针对低余额、长期无主动交易的账户。 值得注意的是，一些银行对长期不动户认定标准进行了调整，如兴业银行将个人人民币账户的清理阈值从原有"100元以下+180天无交易"调整为"10元以下 +365天无交易"。此外部分银行还对长期睡眠的手机银行账户、"一人多户"等情形开展专项清理。 业内人士认为，清理长期不动户既是银行提升运营效率的技术性调整，更是应对电信诈骗、洗钱等非法活动的重要风控手段。 每经记者｜刘嘉魁 每经编辑｜何小桃 陈旭 10月16日，新疆和田农村商业银行发布公告，将对个人手机银行长期睡眠账户开展清理工作。 同日，湖北远安农商银行发布公告称，将开展个人银行账户清理，包括个人长期不动户、个人开立多个银行结算账户、身份信息缺失或过期的账户。 清理对象聚焦于"低余额" 与"长期无主动交易"两类 每经记者注意到，近期全国多家银行都发布了类似的清理长期不动户公告。 例如，湖北枝江农商银行发布公告称，将开展个人银行账户清理工作，清理 ...