# Check if your unused bank account has turned inactive 2026-08-14T23:39:50+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet The Reserve Bank of India (RBI) classifies savings and current accounts as inoperative if no customer-initiated transaction occurs for more than two years. Funds in such accounts do not become the bank's property, but the account holder cannot withdraw money until the account is reactivated through fresh KYC, Aadhaar, PAN, and address proof, usually at a branch, since online channels remain restricted. Livemint quotes Atish Jain, CEO of Choice Wealth, warning that unmonitored dormant accounts are easy targets for money mule networks and fraud, and suggests RBI and banks could ease the process by allowing video-KYC or app-based reactivation instead of mandatory branch visits. ## Coverage - livemint.com Tags: Aadhaar, Atish Jain, Choice Wealth, KYC, RBI Canonical: https://indianopinion.org/check-if-your-unused-bank-account-has-turned-inactive/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/check-if-your-unused-bank-account-has-turned-inactive/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.