Learn some financial knowledge every day, and don't be financially blind
Imagine you have an old passbook lying in the corner of a drawer in your home, which you haven't opened in a long time. Many people may have such a "forgotten" passbook. But you know what?If the passbook remains untouched for a long time, the bank may turn it into a "dormant account". This sounds a bit like a sleepy passbook, but it actually means that the account is "dormant".
To put it simply, if you haven't deposited or withdrawn money in this account (passbook account) for a year, and the balance is zero and not linked to any other banking business, the bank will mark it as a dormant account. In this case, your passbook will be like a nap and will not be actively used for the time being.
This may not sound like a big deal, but be aware that even for sleepers, banks will still charge some fees as usual, such as annual fees or small account management fees. It's like parking your car in the garage and not driving, but you still have to pay the garage rent.
If you feel that the passbook is no longer needed, the best thing to do is to go to the bank and cancel it. When you cancel the book, remember to bring your ID card and passbook. If there is still a little balance in the passbook, you can choose to either withdraw it or continue to use the passbook.
In fact, it is quite important to deal with this kind of long-term unused passbook. After all, no one wants their money to be "cannibalized" unknowingly, right?Moreover, sorting out these small financial matters is also a manifestation of responsibility for your own financial situation.
In this fast-paced era, many people have turned to online banking or mobile banking, and traditional passbooks have gradually been marginalized. But no matter which method you use, it's always important to manage your account well. Whether it's online banking or a passbook, check it regularly to make sure everything is working properly so you can keep your finances healthy and stable.
Finally, if you have any doubts about the affairs of these banks, remember to consult the bank, and the staff of the bank will give you a detailed answer. After all, it's about your money bag and you have to treat it with care!Hopefully, this article will help you sort out some tips about passbooks and bank accounts, so that you can manage your finances more confidently.