휴면계좌 복구In simple words, dormant accounts refer to accounts created by banks, securities companies, insurance companies, etc. that have balances but have long since ceased transactions. The balance remaining in the dormant account because the customer has not visited it is called dormant deposit.
You can check whether your account is dormant by visiting a nearby bank, insurance company, securities company, etc. (offline) or through the site of the dormant account integrated inquiry system (online).
To recover a dormant account, the person who opened the account must visit the financial institution and apply for account recovery. Recovering an account involves going through a process similar to opening an account again.
It is mandatory to bring your ID, and you must submit the application form along with the documents for the purpose. If the account is for a salary account, you will need a pay stub along with a certificate of employment.
If there is no document to prove or if it is judged that the submitted documents are not sufficient evidence, recovery of the dormant account may be rejected.
There are no documents to be submitted when opening a financial transaction limit account, but there is a limit of 300,000 won per day when using an ATM or Internet banking, and 1 million won per day when visiting a bank in person.
However, there is no limit on the amount when depositing or paying by check card. If you want to convert a limit account opened when the purpose of financial transactions cannot be confirmed to a general account, you must submit documentary evidence to confirm the purpose.
Alternatively, a limit account can be converted to a general account if it meets the criteria set by the financial institution. A limit account can be changed to a general account only when it is supported by several months of salary receipt or credit card payment performance.
In fact, restoring a dormant account is similar to opening a new account, so unless there are special circumstances, it is recommended to close the account and open a new account again.
You can also apply online through identity verification without visiting the financial institution where your dormant account is canceled, and you can also transfer the balance. When visiting a financial institution, you can cancel and get your balance refunded with just your ID.
