If you create an account at a bank, post office, insurance, etc. and do not use it for a long time, it is classified as a dormant account. Depending on the remaining amount of each financial institution, the timing of classification as dormant accounts differs. For example, in the case of Woori Bank, if there is no transaction for more than 1 year for less than 10,000 won, and for 100,000 won or more, it will be changed to a transaction suspension account.
Generally, you can think of it as 2 years for insurance companies, 5 years for bank deposits, and 10 years for post office deposits. Recently, as it becomes difficult to open a bank account, more and more people want to restore dormant accounts. In fact, if you don’t want to revitalize your dormant account, you can close your account and send the balance to your other bank account using only the Internet at home. 휴면계좌 복구
In order to recover a dormant account, you need to check whether there is a dormant account. You can even cancel a dormant account and withdraw the balance from this place where you can inquire. If not, you will have to visit the bank, insurance company, or post office in person to fill out and confirm the dormant account information request form. 좋은뉴스
You can easily search your accounts and inactive accounts at home by using the service to find dormant deposits operated by the Small Finance Agency or the integrated account information management service operated by the Korea Financial Telecommunications and Clearings Institute. In order to use this service, you must have a certificate of authenticity. To retrieve dormant deposits, you only need to verify your identity with a public certificate, and the account information integrated management service additionally proceeds with mobile phone authentication.
In a word, the dormant account recovery method is often referred to as kebab. This is different for each bank and branch. In fact, in order to save a transaction suspension account, it is said that the procedure is a little more cumbersome than a new subscription. In addition, it is said that additional data must be provided to prove the purpose of restoring the dormant account.
However, most of them say that if you go to a bank branch, you can prove the purpose of saving your account by deducting your salary or making a direct debit. If you restore without additional data, internet mobile banking and deposit/withdrawal limits may apply.
My junior actually visited the bank and tried to revive the dormant account, but he said that he could save it only by bringing a certificate of employment and other documents or transferring 3 direct debits. I’ve been able to save it with 2 cases since then. Of course, depending on the bank, there are cases where it is released immediately without a limit account, so it is literally kebab.