5/23/2021 Sample Letter to Activate Dormant Account

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Sample Letter to Activate Dormant Account

Posted Date: 04 Dec 2016 | Updated: 04-Dec-2016 | Category: Articles/Knowledge Sharing (/resources/category-5001-articles-knowledge-sharing) | Author:
Vandana (/member/vansika.aspx) | Member Level: Platinum (/general/MembershipLevels.aspx) | Points: 45 (/general/ContentRating.aspx?
EntityType=1&EntityId=170686) |

What is the difference between an inactive and a dormant account? Want to reactivate your SBI or Bank of Baroda or ICICI or
HDFC or any other bank's dormant account? This article explains how an inactive account differs from an inoperative/dormant
account and also provides a Sample letter to activate dormant account.

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You open a bank account and it is possible that for some reason you do not use it for nearly a year, with no transactions occurring through it. You then
decide you require to use that account but nd that the bank has declared it as dormant. Not to worry! You can easily activate it again within twenty-four
hours by following the requisite procedures, supported by a strong application request letter to activate dormant account.

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5/23/2021 Sample Letter to Activate Dormant Account

What is a dormant account

When your account becomes inoperative with no transactions for the duration of 2 years or more and goes into hibernation so to say, then the account is
considered to be dormant. The Bank is basically safeguarding its own interests to prevent fraud when a customer's account is no longer operative. This
applies to both savings and current accounts. Note that there is a difference between an inoperative bank account and an inactive account. An account
will be declared inactive by the bank if there is no transaction in the account for the duration of 1 year.

An account is not declared dormant if there is any account holder-induced transaction. This includes:
1. Credit Transactions:
Fixed Deposit interest credits

Dividends from shares held in a Demat account

Cash deposits

Clearing deposits

NEFT credits or other online credits

2. Debit Transactions:
Debiting of interest in the account

Debiting of charges from the account

Online payment of a bill

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What the Bank does for dormant accounts

The bank will contact the account holder and alert him about there being no transactions of the account. This communication will be done 3 months prior
to declaring the account to be dormant. The account holder can give a reason as to why the account was inoperative.

If the account holder gives a valid reason for not operating the account, then the bank can consider the account to be operative for one more year, during
which time the account holder will be instructed to operate the account. If during this time, however, the account holder does not do so, then the bank
will declare the account to be dormant at the end of that extended one year.

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5/23/2021 Sample Letter to Activate Dormant Account

Further, unknown to the account holder, the account may likely be placed under what is known as "Suspicious Transactions Report" and the Bank will do
an audit of the amount in the inoperative account. The Bank also does not allow the account holder to withdraw cash from an ATM (/resources/170683-
Sample-complaint-letter-to-Bank-and-Banking-Ombudsman-on-getting-less-money.aspx), avail of Net or phone banking facilities, receive a new cheque
book and avail of other services which are generally associated with an operative account.

Note that, as per RBI rules, the interest on the savings account (/topics/savings-bank-account) of the account holder must be credited by the Bank
regularly even if the account is inoperative. In the case of a Fixed Deposit maturing and the proceeds remaining unpaid, the unclaimed amount with the
bank will accrue the savings bank rate of interest.

What the Bank does for activation of a dormant account

When a dormant account is activated after due diligence by the Bank, the bank cannot put any charges on the account holder for the activation process.

Naturally, the Bank will consider the risk involved in activating the account and re-verify the identity of the account holder through the KYC (Know Your
Customer) procedure.

How to activate a dormant account

You need to visit the bank in person (some banks do provide online facility for NRI customers) and do 3 things to restart your dormant account:
1. Submit an application with reasons for not having any nancial transactions in the account

2. Submit the following self-attested documents:

A photocopy of ID proof

A photocopy of address proof

A photocopy of your passbook which is of that account

A photocopy of your cheque book which is of that account

3. Deposit into or withdraw money from the account as per the amount which the Bank tells you (likely it will be minimum Rs.500/.) Note that if your
cheque book is over, you will not be issued a new cheque book to do a withdrawal transaction.

It will take about one working day to get your dormant account reactivated.

Sample letter to activate dormant account

Here's a sample letter, let's say to SBI, Adyar branch, Chennai, in case they do not have any prescribed form. You can consider this same letter for making
Close
an application to any bank in which you would like to activate your dormant account.

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5/23/2021 Sample Letter to Activate Dormant Account

To: The Branch Manager

SBI
Kasturba Nagar,
Adyar - 600020
Chennai

Subject: Request for Activation of my Dormant Account no. ___________

Sir/Madam,

My above mentioned [savings/current] account is in dormant status. The reason for dormancy of the account is [give the details here].

I request you to please reactivate the account. I am enclosing the list of documents on the basis of which the account can be
reactivated.

The Account Number is: __________________

Documents enclosed with this application are:

1. A self-attested copy of my photo ID Proof of [mention what type it is, such as PAN card or Driving license] and 2 passport size
photos.

2. A self-attested copy of my address [mention what type it is, such as your Aadhaar card (/resources/166980-How-to-get-duplicate-
Aadhaar-UID-card.aspx)]

3. A self-attested copy of my account passbook

4. A self-attested copy of my cheque book

5. A cheque for Rs. __________/- drawn on ________________Bank, ____________branch to be deposited in my dormant account [mention
account number again here]

6. Cash for Rs. __________/- deposited in my dormant account.

Please do the needful and reactivate the account at the earliest.

Thanking you,
Yours Sincerely,

[your signature]
[your name]
[your address]
[your phone number(s)]
[your email ID]

Note: (i) In the sample letter, write #5 or #6 as applicable. (ii) Find out how many passport size photos you need to Close
submit.

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5/23/2021 Sample Letter to Activate Dormant Account

Additional notes
1. At the bank's site, there will be a List of unclaimed / inoperative Accounts. You can check the list in case you have not used your account since over
one year.

2. In case the account is operated by more than one person, then the signatures of all the account holders would be required to be put in the letter and
the requisite documentary proof of all of them would likely have to be submitted too.

3. In case you are unable to either deposit money by cheque or with cash, then at least one other type of nancial transaction must be done to
reactivate the dormant account. For example, this could be a Fixed Deposit credit (you can ask the bank what type would be admissible.)

Article by Vandana (/member/vansika.aspx)

Vandana is based in India with over 15 years experience as a freelance writer. Writing, no doubt, is her primary passion! Having
learned the art of blogging from ISC, Vandana is enjoying the thrills of blogging, taking pleasure in sharing information & getting
good pageviews at her various blogs.
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Comments
Guest Author: D.Stalin 29 Dec 2018
I found the sample letter on how to activate dormant account very helpful to understand the mode of proceeds related to SBI matters.

Guest Author: Somsubhra Ray 13 Mar 2019

This is a very helpful article that I have found on the internet. It had helped me to recover my dormant account from Syndicate Bank.

Guest Author: Deviprasad 10 May 2019

This sample letter to activate dormant account is really very informative. Details of reactivating of account have been given step by step.

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