Letter to reactivate bank account: Fill out & sign online (2024)

FAQs

How do I write a letter to reactivate my bank account? ›

I, (your name), was an account holder in your branch with account number XXXXXXXXXX. This is to inform you that my bank account is in a dormant/inactive state, currently. I would like to reactivate my bank account in the same branch. Hence, I request you to kindly reactivate my previous bank account.

I would like to make you a request to kindly activate net banking on my savings account no- 35452434 as it becoming a bit difficult for me to personally visit the branch for every transaction due to time constraint. Please consider into the matter and do the needful as soon as possible.

I request your Bank to kindly reactivate my account so that I can continuously transact the same and follow the standard procedure. I hereby attached the Passbook and other required documents to activate it and print-out the latest statement.

Reactivation process: To reactivate an inactive account, you can simply resume banking activities like making deposits, withdrawals or transfers. Some banks let you reactivate inactive accounts online. For dormant accounts, you must request reactivation from the bank and give identity proof.

Once a bank account is closed, it usually can't be reopened. You'll have to open a new bank account with your institution or bank somewhere else. Some banks have second chance bank accounts, which allow you to open a bank account regardless of whether you have a negative banking history.

To obtain a bank confirmation letter from your bank you may request in-person at a bank branch from one of the bankers, by a phone call to the bank, and depending on the financial institution, through their online platform.

Re-registering for Digital Banking allows you to retrieve your customer number and also re-set your security details if needed.

The most common layout of a business letter is known as block format. Using this format, the entire letter is left justified and single spaced except for a double space between paragraphs. Modified Block. Another widely utilized format is known as modified block format.

If your account was frozen due to inactivity

Alternatively, contact your bank directly to inquire about the necessary steps to unfreeze it. You might be required to provide identification and verification documents to confirm your identity and account ownership.

The main reasons accounts get blocked:

Suspected fraud. Lack of use. Suspicious transactions. Disputes with your bank.

What to do if online bank account is blocked? ›

When you discover that your bank account is frozen, the first step is to contact your bank. You can either do so via phone banking, email, or a chatbot. Alternatively, you can visit the nearest bank branch and discuss the issue with the Bank Manager.

If your bank has closed your account, you might see whether you can open another type of account at the same bank (such as a prepaid account or a “second chance” account), switch to another bank, use a prepaid debit card, use a digital payments app like PayPal or simply go without a bank account.

A bank account's holder is unable to conduct transactions once it is rendered inactive. However, dormant accounts are free of statute limitations. This means the beneficiary may withdraw funds at any time. You will need to activate your account to make a transaction.

To reactive your dormant account, you need to contact your bank branch and submit an application along with the 'know your customer (KYC)' documents, which should include an address proof and identity proof.

Start by addressing the letter to the appropriate authority, such as the bank manager or the customer service department. Begin the letter by stating your name and account number. You should also mention the reason for the hold on your account balance and the date on which it was placed.

Inactive Accounts

Generally, an account is considered abandoned or unclaimed when there is no customer-initiated activity or contact for a period of three to five years. The specific period is based on the escheatment laws of each state.

The bank may be trying to alert you that your account is inactive. If the account remains inactive, it may be classified as abandoned, and your funds may be turned over to the state. This practice may also be referred to as escheatment.

In this regard I wish to submit that I have opened Savings / Current account in the name ……………….. in your Bank on …….…… with your …………….. branch and I have not operated the account since ………….. due to the reason of ……………………………… I hereby confirm that I am not having any cheque book of the said account with me.