How to Activate Dormant Account: A Simple Guide

It can be difficult to manage multiple bank accounts. Due to the busy schedule and responsibilities of daily life, many of your bank accounts go inoperative. Bank accounts are classified as dormant or inactive if there are no transactions for two years.

This simple guide provides you with knowledge about how to activate dormant account in numerous ways.

Understanding a Dormant Bank Account

A dormant account is a bank account that has remained inactive for an extended period, typically two years without any customer-initiated transactions such as deposits or withdrawals. When this happens, the account becomes inoperative.

Once your account is classified as dormant, you will no longer be able to withdraw money from ATMs or access online banking services. As a result, you must know how to reactivate dormant account to regain access to your funds. 

Application Procedure for Dormant Account Activation in Bank Branches

Follow the below steps to complete the application for dormant account activation by visiting your bank branch:

• Step 1: Visit your nearest bank branch and apply with KYC documents including self-attested identity proof and address proof.
• Step 2: You will receive an SMS or an email regarding the activation of your dormant account once the bank activates your account in some days.
• Step 3: You can start transactions and withdraw funds from the dormant account.

Other Reactivation Procedures for Your Dormant Bank Account

If you want to reactivate your inoperative account without visiting the bank branch, you can use these different ways:

• Netbanking: Log in to your bank’s mobile application and go to the ‘Services’ section. Click on the option to reactivate inactive or dormant accounts. This is the best option to complete the procedure of how to reactivate dormant account online.
• Email: You can send an activation request to the official email address of your bank account.
• Customer Care: You can directly call or send an SMS to the 24×7 customer care number of your bank. The representatives can guide you on how to activate dormant account online.

Documents Needed for Reactivating Dormant Account

As you learn how to reactivate a dormant bank account, you must also present these documents to complete this process:

• Self-attested KYC documents like an Aadhaar card, PAN card, and passport.
• Proof of financial transaction with the bank account.

Final Words

It is crucial to understand the process of how to activate dormant account to withdraw funds or perform other essential banking activities from it. You can visit the bank branch, send emails, use net banking, and contact customer care to apply for the reactivation procedure.

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