This post will guide you through on how to check if a bank account is open. Having an inactive bank account for long time do get the account owner confused as to if the bank account is still active or probably the bank may have closed the account.
This type of question usually pops up if a bank customer leaves his or her account inactive for a very long time. You may be confused as to whether the account is still active or not, you need to worry as i will show you how to check if a bank account is open.
Note that bank must notify or inform a customer before closing the customer’s bank account.
Now let’s proceed.
How to check if a bank account is open
To check if a bank account is open, you need to do the following things on your account;
1. Contact your bank or the account manager
This is the first and foremost thing you need to do as a bank customer. Leaving your bank account inactive for a very long time will make the account to dormant and closed, but to confirm that truly the account is still open, you have to contact your bank.
If you don’t prefer going to the bank, kindly give your bank a call and request that you want to check if your bank account is open and active.
The bank customer service representative or your account manager will request for your bank account number and your account name. The customer service representative will run a check on your account, and afterwards will inform you if the account is open or not.
When i left my bank account inactive for a long time, I contacted my bank account manager, and from there I was informed that the account is no longer open, and I have to reactivate the account.
How to check if a bank account is open?
Contact your bank account manager or the customer service representative and give them your account number and account name to run a check. From there you’ll be notified if your account is active or not.
2. Deposit money into the account
Depositing money into the account is another to check if a bank account is open or not. You don’t have to worry if you will loose your money, you won’t lose your money even if the account is closed.
Let’s say you have a new bank account or you can use friend or family bank account, transfer money into your old account but make sure it is a small amount of money.
Now wait for a few days to see if the money will be reversed back to your bank account. If you waited for a maximum of ten working days and the money didn’t bounce back to your new account or the account used in transferring, it could be a sign that your old bank account is open.
I will advise to wait for two weeks, and if still the money didn’t bounce back to your new account, the you need to withdraw the money or make payment if you have your debit card.
If you’re able to withdraw the money or make payment using the account, then it simply means that the bank account is still open and active.
How to check if a bank account is open?
Deposit money into the account, if it didn’t bounce back, then try to withdraw the money or use your debit card if you still have it. If everything works then it means the bank account is still open and not closed.
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3. Use your debit and credit card
The third method to check if a bank account is open is by using the debit card or credit card linked to the account.
If you believe there’s money in the account, use the debit card to perform a debit transaction. If it fails, use the credit card as well. If both cards fails, then it may be because your bank account is closed, and the cards becomes invalid and void.
How to check if a bank account is open?
Use debit card or credit card linked to the bank account and see if they will work. If both cards fails, it an indication that the account linked to the cards is no longer functioning and active.
3. Still receiving bank notifications
If you’re still receiving bank notifications and messages, it is a clear sign that your bank account is still open and active. The messages include the monthly statement of account, and some other bank notices.
Once you stopped receiving these messages, something is wrong and many a time it indicates that the bank account is no longer active, or probably closed.
However, in most cases it shows that the account is no longer active and needs to be reactivated. Bank cannot close your bank account without first informing you about that.
How to check if a bank account is open?
If you stopped to receive messages and notifications from your bank including your monthly account statement, it may indicate that the account is no longer active.
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How to check if a bank account is open online
To check if a bank account is open online, you have to access your bank account information or personal data using the bank mobile app or internet banking.
If you have enrolled for the internet banking or the mobile banking, try to login to your account. If you successfully login and view your account information, then it means that your bank account is open. But if it go, through then it means that the account is closed or maybe inactive.
The only way to check if a bank account is open online is by using the bank mobile app or the internet banking to view your account details.
The details I’m talking about is the account number, account balance or your other bank personal data.
Can you check your bank account online?
Yes of course, you can check your bank account online by enrolling for the mobile banking or the online banking. Through this two bank services, you can easily check your bank account online.
Right now all banks offers the mobile banking or the online banking to it’s customers, this provides faster and convenient banking services to the bank customer’s.
So if you need to check your bank account online, kindly download your bank mobile app and register your account. You can also register for the online banking if you prefer using your personal computer for your banking information.
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Can I open a bank account online without going to the bank?
Yes you can open a bank account online without going to the bank. In some banks, they usually call this type of account an instant account, though many a time it has a limit. The limit I’m talking about is the single deposit limit, and the maximum operating balance.
This requires the bank customer to upgrade his or her account to a standard or a regular bank account.
The likes of cooperate or business account requirements the person(s) involved to go the bank to open the account. All these differs from location to location, and bank to bank.
How can I check if a bank account exists
If you have an account number which you’re not sure if the account still exists, first you need to try and know the bank of the account number. Usually the first three digits is a bank unique number, then other digits are the customer’s unique number.
If you found out the bank that owns the account number, you have to contact the bank customer service. Through the customer service you will be informed if the account number do exist or probably an invalid account number.
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To check if a bank account is open, you have to contact the customer service and request that they should run a check on your account, or try to access your account using your bank mobile app or internet banking. Also try to use the debit or credit card linked to the account to check if a bank account is open.