The bank settlement account of an enterprise is in a "dormant" state when there is no receipt and payment activity for a long time, commonly known as "company dormant account". "
To a certain extent, the "company sleeping account" shows that depositors have not opened a bank settlement account to handle the internal needs of fund collection and payment activities. If such accounts are dormant for a long time, on the one hand, it is not conducive to depositors' effective control and management of their own funds, and may even be stolen or misappropriated under false names due to some objective factors, resulting in unnecessary losses.
At the same time, in order to protect the legitimate rights and interests of depositors, depositors should provide business license, code certificate, tax registration certificate, legal person ID card, account opening permit, official seal and legal person seal when requesting to withdraw money from the original account, and go to the account opening bank to handle the account cancellation procedures and settle the balance.
Extended data:
If the settlement account of an enterprise bank does not actively transfer within one year, it will be transferred to a long-term inactive account. At present, the long-term suspension of Agricultural Bank of China is March, September, 65438+February, 2 1 every year. The bank will print the details of long-term deactivated accounts in February, May and August, 1 1 every year, which is equivalent to knowing which accounts will be deactivated for a long time 40 days in advance, and the bank will notify them according to the list.
For enterprise bank settlement accounts that have not received or paid any debts to the bank, the bank will notify depositors to cancel their accounts at the bank within 30 days. If the account is overdue, it will be deemed as voluntary cancellation, and the funds that have not been transferred out will be included in the long-term unsettled management account. Long-term inactive accounts that have not been closed for five years and have not been activated are converted into non-operating income, with no difference in amount.
Baidu Encyclopedia-Changjiu Bank