What Is A Pasif Account Deactivated By The Bank, What Are The Provisions?

Illustration of passive accounts (Freepic)

YOGYAKARTA - In today's era, opening or creating new accounts is very easy. Because of this convenience, many people have several savings accounts. Of the many accounts owned, there are usually accounts that are rarely used or called passive accounts. Is that a passive account?

There are still many account owners who do not know what a passive account is. A passive account is also referred to as a dormant account, namely an account that is not used for 6 to 12 consecutive months. If during that period of time, there are no debit or credit transactions, it will be a passive account.

A passive account ordomant account is an inactive account. An account is declared dimmant when there is no activity at all in the account. As previously stated, the account is declared inactive if there are no debit or credit transactions for 6 to 12 consecutive months.

The status of adomant account can occur in an account regardless of the value of the balance in it. The bank considers the threat account as a burden, because if it is not used at all it will cause many problems. The bank will block the account so that the owner cannot carry out banking activities, such as checking balances, transferring and receiving money, as well as other activities.

For banks, the Dormant account database can be a negative calculation. Because of this, an account that is not active will be removed after some time of boarding. However, the account can not still be returned or reactivated with several processes.

Domestic accounts can also be caused by several factors, apart from empty balances for a long time. The following are a number of things that cause an account to be deactivated by the bank.

Transaction errors can also cause an account to be blocked or become a domestic account. For example, when an incoming money is sent that is not intentional or an error. If this happens, the bank will temporarily block the account so that the funds received are not misused.

An account can be declared dimmant when the fund sender submits a report to the bank. Reports related to transfer errors to the account. Later the account owner will be contacted by the bank to inform that his account is in Dormant status. The recipient's account will be reopened after the bank completes the misreport of sending funds.

WALLant accounts can also be caused by suspicious activity in an account. For example, when there are indications of hacker actions fiddling with m-banking accounts, fraud, or transfers that are too frequent. If such activities occur, the account will be blocked automatically.

When the account owner withdraws a large amount of money through an ATM, the bank will contact for confirmation. If the account owner cannot be contacted many times, then the account account will be changed to dormant.

Demikianlah reviewasi mengenai apa itu rekening passive atau rekening kormant. Pemblokiran rekening atau rekening kormant dilakukan oleh pihak bank demi keamanan nasabahnya. Jika rekening Anda dalam status kormant, Anda bisa mengaktifkannya kembali dengan melakukan beberapa proses.

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