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Home Featured Reasons and How to Reopen a Locked Bank Account on Mobile Effectively
  • Technology

Reasons and How to Reopen a Locked Bank Account on Mobile Effectively

Bank accounts serve as an expedient means of payment in the modern economy. However, alongside the advantages this medium provides, we may encounter certain limitations and find ourselves at a loss when faced with a locked bank account on our mobile device.

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21 April, 2024
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    Let’s face it, many of us have encountered the frustrating situation of having our bank account locked on our phone (Internet Banking) without understanding why or knowing how to resolve it. Here, FPT Shop will share with you the causes and a guide to unlock a locked bank account on your phone.

    1. How to confirm if your bank account is locked

    If you are unable to perform any transactions and suspect that your bank account has been locked, you can call the Hotline or visit the bank branch in person. The bank staff will then check and confirm if your bank account on your phone has been locked.

    2. Reasons for a locked bank account

    The following are some common reasons why a bank account may be locked on a phone. You can check and identify the cause based on the following:

    2.1. Bank account has been inactive for a long time

    The automatic bank account lock feature is also applied to some banks if the account has not had any transactions for a long period of time (usually 6 months or more).

    2.2. The bank suspects that someone else has accessed the account

    Your bank’s system can automatically lock your account if there is a suspicious transaction. For example, if your transactions usually involve small amounts of money, but suddenly you transfer a large sum, the bank may automatically lock your account to protect the customer’s interests.

    2.3. Locked by order of a competent authority

    A bank account locked on a phone may also be due to the bank complying with an order from a court, tax authority, social insurance agency, etc., in order to facilitate the investigation, monitor transactions, or enforce a judgment against a case with signs of违反法律.

    2.4. Other reasons

    In addition, a locked bank account on a phone may also occur if the account shows signs of illegal transactions, violates bank regulations, lacks personal information, has long-standing debts, etc.

    3. Detailed instructions on how to unlock a locked bank account

    To unlock a locked bank account, customers simply need to follow these steps:

    Step 1: Bring your ID card or passport to the nearest branch/transaction office of your bank.

    Step 2: Inform the staff about the locked bank account and fill out an account reopening request form.

    Step 3: Fill out all the required fields on the bank account reopening request form. If you are unsure, you can ask the bank staff for assistance.

    Step 4: Submit the account reopening application form, along with the required supporting documents as per the bank’s regulations.

    Step 5: The bank staff will verify the information and consider reopening the account for the customer.

    4. Some frequently asked questions

    The following are some common concerns that people have when their bank card or account is locked:

    4.1. Can I still receive money if my bank card is locked?

    Many people worry that if their bank card is locked, they will not be able to withdraw money from their account. In fact, a locked card does not affect the normal functioning of the account. Therefore, while the card is locked, customers can still receive or transfer money online through the bank’s app.

    Some banks still support cash withdrawals at ATMs by scanning a QR code to log into the account and perform transactions as usual. Alternatively, customers can withdraw cash directly at any branch of their bank.

    4.2. Will my bank account be locked if it has no balance?

    Many of us open multiple bank accounts and then may not use them anymore. Therefore, whether an unused bank account will be locked is a concern for many customers. In fact, this depends on the regulations of each bank you use, but most accounts will be locked if they are not used after a certain period of time.

     

    Frequently asked questions

    Banks lock accounts for a variety of reasons, including suspicious activity, too many failed login attempts, or account inactivity. They do this to protect your money and personal information from potential fraud or unauthorized access.

    To reopen a locked bank account, you’ll need to contact your bank directly. Explain your situation and provide any necessary information or documentation. The bank may ask for additional security measures, like updating your password or security questions.

    The bank may require you to provide personal information such as your name, account number, and government-issued ID. In some cases, you may also need to verify your address or provide additional documentation to prove your identity.

    In some cases, you may be able to reopen your locked account through your bank’s online banking platform. Log in to your account and look for options to ‘Unlock Account’ or ‘Restore Access’. Follow the instructions provided, and ensure you have your security information ready.

    If you’ve forgotten your login details, most banks offer a ‘Forgot Password’ or ‘Forgot Username’ option on their website or app. You’ll usually be asked to provide your account number, date of birth, and other personal details to verify your identity and reset your login information.

    To prevent your account from being locked again, ensure you keep your login details secure and up to date. Use a password manager if needed. Also, maintain regular activity on your account, and keep your contact information current with the bank. Finally, stay vigilant against suspicious activity and report any concerns promptly to your financial institution.
    SOURCEfptshop
    • TAGS
    • bank account inactive
    • bank account lock reasons
    • bank account locked
    • bank card locked
    • unlock bank account
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