휴면계좌 복구Reviving a dormant account
Accounts that have not been used for a long time and are dormant are classified as dormant accounts according to certain criteria, and if you proceed with reviving the dormant account later, it can be recovered, but the method is not easy. Depending on the bank balance of each financial institution, the timing of processing as a dormant account differs.
For example, in Woori Bank, if the bank account balance is less than 10,000 won for 1 year and if there is no transaction for more than 5 years when the balance is less than 100,000 won, the account is changed to a dormant account.
In general, you can think of a period of 2 years for insurance companies, 5 years for banks, and 10 years for postal deposits. Recently, it has become increasingly difficult to open a bank account, so there are many cases of reviving dormant accounts.
If you do not want to recover your dormant account, you can also cancel your account online with a public certificate and send the balance to another account. This work can be done through integrated inquiry of dormant accounts or search for dormant deposits.
Even when reviving a dormant account, it is good to check whether there is a deposit that is dormant without your knowledge, apart from the case where you know it yourself.
As mentioned earlier, please check inactive accounts by using the service for finding dormant deposits operated by the Small Finance Agency or the integrated account information management service of the Korea Financial Telecommunications and Clearings Institute. If not, you can visit your bank or post office in person to fill out a dormant account information request form and receive your balance in person.
I will go into the main topic and explain how to revive a dormant account. When restoring a dormant account, it is said that each bank and branch have very different methods. It is known that the principle when restoring a suspended account is more difficult than when creating a new bank account. Each bank is proceeding in a slightly different way.
However, most bank branches say that they often recover immediately when you transfer more than a few automatic debits to your account or transfer your salary. If you recover without additional data, you may be restricted from internet mobile banking and deposit/withdrawal limits.
In actual cases, workplace subscribers succeeded in reviving dormant accounts with just a phone call, but there were cases where local subscribers submitted various documents after visiting the bank in person. First of all, when you bring other documents from your bank or request direct debit, coordinate with the person in charge and ask for a reduction in the number of direct debits.
It’s much more convenient than taking other documents, and automatic transfer may be annoying, but there is a way to transfer it again after the account is revived. I think it’s an easier way than visiting the bank, checking the required documents, preparing all the documents, and revisiting.
