However, if you want to open an account in a bank that needs to be audited or filed by the People's Bank of China, you will be unable to open other accounts because you have closed your account for a long time. In this case, it is necessary to close other accounts first, and then close basic deposit account (basic deposit account cannot close accounts when there are other accounts). If you can't get in touch, the bank can treat the funds that have not been withdrawn from the account for a long time as its own income.
The concept of long-term account hanging:
A long-term inactive account refers to a dormant account where the obligee has not handled business for a long time. In the banking industry, it is called dormant account because it has not handled the deposit and withdrawal business for a long time; In the securities industry, accounts that have not traded stocks or other securities for more than three years are called dormant accounts. These two kinds of accounts can be called long-suspended accounts.
Extended data:
If the company's general account is deactivated for a long time, it can be closed. Take the company's license and official letter with the official seal to go to the bank to cancel the account (if basic account is an enterprise, he must go to the tax bureau to audit the accounts and pay back the unpaid taxes, etc.). ).
The normal procedure for an enterprise to cancel its account should be:
A. First, apply for account cancellation in national tax and local tax. After the national tax checks the accounts, make up the relevant taxes and other provisions, as well as the current debts.
B. Go to the bank with the national tax cancellation procedures, business license and official seal to handle the corresponding bank account cancellation procedures.
C afterwards, he went to the industrial and commercial bureau to handle the relevant formalities of enterprise cancellation with the audit report and tax payment certificate of the tax bureau, and announced the cancellation of the enterprise in the newspaper, and finally cut off the official seal, contract seal and financial seal.
References:
Long-term account-Baidu encyclopedia