휴면계좌 복구So basically, there were many people who had more than 10 bankbooks. In other words, there was a time when passbooks were common. However, in life, there are not one or two things that are forgotten. The same goes for common passbooks.
As time goes by, there are cases where forgotten bankbooks are abused for various crimes due to the appearance of bad guys such as voice phishing, so you have to restore them yourself or save them and use them again.
In order to recover a dormant account, the person who opened the account must visit the financial institution and apply for account recovery. Account recovery is a similar process to opening an account, but the process of restoring a dormant account is similar to opening a new account. It is better to close the account and open a new account again.
You can also apply online through identity verification without visiting a financial institution where your dormant account is canceled, and you can also transfer the balance.
It is known that the amount of deposits and installment savings in mutual financial institutions such as Nonghyup, Shinhyup, and Saemaeul Geumgo amounts to a whopping 2 trillion won. Therefore, if you have Nonghyup, Credit Union, or Saemaul Geumgo dormant accounts, please actively seek them out and visit them.
If so, I will kindly explain how the current bank employee told me how to recover and find dormant accounts and dormant deposits.
“Dormant deposits” are deposits, etc. of which the extinctive prescription of bonds or claims has been completed according to the provisions of the relevant laws or agreements between the parties, among the deposits of financial institutions.
5 years or 10 years for deposits in financial institutions, 5 years for cashier’s checks, 3 years for insurance money, actual stocks and fruits (meaning dividends and dividend stocks generated from practical stocks, which are received and stored and managed by the Korea Securities Depository) ) is classified as a dormant deposit if there is no transaction or payment claim for more than 10 years.
Anyone can easily find dormant deposits. Even money deposited in a bank is classified as a dormant deposit if it is not transacted for a long time, and is donated to the Small Finance Promotion Agency in accordance with the ‘Act on Supporting the Financial Life of the Common People’.
Holders of original rights to dormant deposits were able to inquire and apply for payment through the ‘Find Dormant Deposits’ of the Small Finance Agency, but there were not many users.
Accountinfo Manage all your financial accounts
You can also inquire about dormant accounts and dormant deposits and apply for payment at Accountinfo, which has recently been increasing in number of users. In AccountInfo, you can view all your bank accounts at a glance and transfer or close small amounts of inactive accounts that have not been traded for more than a year.
Through the account info established by the Korea Financial Telecommunications and Clearings Institute, you can conveniently check the status of accounts opened in your name at 16 commercial banks, excluding the Export-Import Bank of Korea.
Integrated inquiry of dormant accounts of the National Federation of Banks
And, as you know, you can easily look up dormant accounts with just a public certificate, and you can easily look up dormant accounts on the National Federation of Banks’ Integrated Inquiry Site or in apps like Toss through account linkage.
Financial Consumer Information Portal Pine
Integrated inquiry of dormant accounts is possible through various routes, such as Pine, a financial consumer information portal site created by the Financial Supervisory Service.
A dormant account refers to an account that has not been used for a long time. If you receive only the remaining money in the dormant account and delete the dormant account, you can simply visit the branch of the financial company with your ID.
However, if you want to save the account, you need separate evidence.
① Evidence documents such as pay stubs, employment certificates, withholding tax receipts, utility bill receipts, etc.
② If it is difficult to prove, it is possible to open an account with a limit (only 300,000 won for transfer and withdrawal per month)
The above documents are basically mentioned, check the dormant account, contact the bank before visiting the bank, check what documents are required, and go to the bank.
As you know, you should be careful about closing a dormant account.
This is because it is much more difficult to open a new savings account these days due to voice phishing. If a dormant account is left unattended, it may be abused by hacking, etc., but if there is a possibility of trading with the account, it is better to keep it.
Currently, commercial banks do not open a bank account unless the purpose of the financial transaction is proved through related documents.
In the case of a salary bankbook, a new account can be opened only when there is a certificate of employment, a salary statement, and a receipt of earned income withholding tax. Accounts for meetings such as alumni associations must be accompanied by bylaws and a list of members to open a bankbook.
The conclusion is that it is difficult to issue a new bankbook these days, but it is a good idea to use a dormant account as much as possible if necessary.
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