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mmcatdog寫到:
在美國是超過一定年限就收歸國有 英國好像也是
有這回事嗎?
在美國是銀行會靜止帳戶收管理費，直到帳戶沒錢，銀行會把帳戶關掉。收歸國有? 從哪裡看來的?
https://fastapp.usbank.com/fasta ... sp#dormant_accounts
DORMANT ACCOUNTS AND ESCHEAT
A dormant account is an account that has been inactive. Generally, subject to state law, "inactive" means there has been no deposit, withdrawal or other communication from you about the account for the period of time as follows:
12 months for a checking account;
24 months for a savings account including those that offer limited (no more than three per month) check writing options.
This does not apply to a time deposit (certificate of deposit) unless it matures and does not renew. It will then be converted to a savings account. For security reasons, we may refuse a withdrawal or transfer from an account we internally classify as inactive if we cannot reach you in a timely fashion to confirm the transaction's authorization.
We charge a dormant account fee. The amount and frequency is disclosed in our Consumer Pricing Information brochure.
If your account has a zero balance, we reserve the right to close it.
Escheat is the term that is used to describe the process of transferring an account balance to the state government in which your branch is located after an account has been dormant for a long time and if our attempts to find you fail.
The time period after which funds must escheat to the state varies from state to state. Once the funds are transferred to the state, you may be able to recover such from the state itself but not from us.
We also charge a reasonable fee to transfer funds to the state, which is disclosed in your Consumer Pricing Information Brochure.
