What is the purpose of clearing the bank account?

The purpose of clearing bank accounts is to strengthen account management, better ensure the safety of funds and prevent telecom fraud.

With the rapid development of China's bank card business, citizens have more and more bank cards. The China inclusive finance Index Analysis Report (20 19) issued by the People's Bank of China shows that by the end of 20 19, China had 8.06 bank accounts per capita, up by1/0.63% year-on-year; Each person holds a bank card of 6.0 1 card, up by 10.48% year-on-year.

Some of the bank accounts under the names of these individuals have gradually evolved into idle "sleep accounts". The reporter interviewed a number of citizens randomly and found that everyone had several idle bank cards more or less, and most of them ignored them after emptying the money inside.

Recently, it includes banks such as China Construction Bank, China CITIC Bank and Postal Savings Bank. Announcements have been issued to clean up long-standing personal bank accounts. If you want to continue to use these accounts, you need to activate them at the bank outlets with valid certificates and bank cards within the time specified by the bank.

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The main scope of account clearing of CITIC Bank:

The Announcement on Cleaning up Long-term Inactive Households and Individuals Opening Multiple Settlement Accounts issued by CITIC Bank recently shows that individuals will open multiple settlement accounts in addition to cleaning up long-term inactive outdoors.

As for the definition standard of personal long-term fixed account, CITIC Bank announced that it should also meet the individual settlement account with the balance less than 10 yuan (inclusive) and no interest-bearing transaction for more than two years (inclusive) as of the end of each year. The definition of an individual opening multiple settlement accounts is that the same customer holds 100 or more normal or inactive individual settlement accounts in CITIC Bank.

Hangzhou online banking should cancel the account in time when clearing the idle bank card of "dormant account"