The depositor died unexpectedly, and there is still money in the bank, but no one knows. What will the bank do?

Since Xiao Shenyang's essay "Not Bad Money" became a hit, everyone knows that the biggest tragedy in life is: "People die, and the money has not been spent". So has this unspent money been taken away by the bank?

Bank bookkeeping

When a person dies, the bank will not take the initiative to inform his family members of his deposit, and the user's deposit will always lie in the account with interest. If the amount is large enough or there are regular transfers, then the funds will accumulate indefinitely; If the amount is small and not transferred, it will be converted into demand deposit. If it is not the only account, the bank will deduct the annual fee and small account management fee, and deduct the SMS notification fee for opening SMS notification. Over time, the balance in the account will gradually decrease until one day it is cleared, then it becomes a sleep account, and then it is cancelled.

Therefore, what will happen to the money in the bank after death depends on the size of the money and whether it is transferred.

How to claim it

If the heirs don't know whether the deceased has any deposit in the bank account, they can open a "deposit inquiry letter" to the bank through the past notary office, but in order to simplify the procedures, improve efficiency and facilitate the masses. On April 20 19, the China Banking Regulatory Commission and the Ministry of Justice jointly issued the Notice on Simplifying the Deposit Inquiry of Deceased Depositors. It is mentioned in the notice that the spouse, parents and children of the deceased depositor can submit a written application to the banking financial institution where the deposit is located alone or together with the deceased depositor's death certificate, documents that can show their kinship (such as household registration book, marriage certificate and birth certificate) and their valid identity documents. The heir or legatee designated by the notarized will can submit a written application with the deceased depositor's death certificate, notarized will and its valid identity documents, without handling deposit inquiry business.

Many people may find it very troublesome to read it, but as long as you don't know the password of the deceased and want to withdraw money in the future, it is definitely necessary to notarize the will (notarizing you as the heir), so you only need to have the death certificate, your relationship certificate, your ID card, notarized will and four documents to find the deposit in the deceased's name and withdraw money directly from the account.

abstract

After all, notarization of wills is time-consuming and laborious (all heirs must be present or sign an automatic waiver of inheritance or entrustment agreement, etc.). ). If the deceased is a younger generation, and you hAPPen to know the password, you can actually check whether he has any deposits in the bank by logging in to official website of your local bank (even you only need to check the bank in the bank app downloaded from his mobile phone, after all, most people will download a bank app). But if there is no password, notarization of wills is definitely needed.

In short, after death, if the bank has deposits and the family members don't know about them, they can only be reused by the bank for profit. If it is deposited on a regular basis, it will be deposited all the time, and the interest will be calculated according to the interest rate of the time deposit until someone collects it.