All bank deposits that have not been actively managed by the customer for over 10 years are considered dormant. The DPR stipulates that deposits with a balance exceeding 100 euros, which remain inactive even after proper notification, will be closed, and the related funds will be transferred to a fund established at the Ministry of Economy and Finance. This fund aims to compensate savers who are victims of financial fraud (Law No. 266 of December 23, 2005, Article 1, Paragraph 345). <\/p>\n
To protect savers and enable them to “reactivate” their accounts before the funds are transferred to the Ministerial Fund, the regulation requires banks to inform their affected customers through the following methods: Holders of Registered Accounts<\/strong> It is sufficient that, within 180 days from the date of receipt of the registered letter for registered deposits or from the date of dormancy for bearer deposits, the holders of dormant deposits\u2014either directly or through an authorized representative\u2014carry out one of the following actions: <\/p>\n After the 180-day period mentioned above, such accounts will be considered officially dormant and, along with any related deposits, will be closed. The amounts resulting from the closure of the account will be transferred by the bank to the fund established at the Ministry of Economy and Finance. <\/p>\n Graphometric Advanced Electronic Signature<\/b> (Graphometric FEA<\/b>) is a signature mode that allows the Customer to sign documents on tablets and perform many transactions in the branch without the need to sign paper forms.<\/p>\n <\/i>Its use is environmentally friendly and simple. Besides being convenient, the system saves time and paper. <\/p>\n <\/i>The Customer displays the transaction data on the tablet and affixes his or her signature directly on the screen using an \u201celectronic pen.\u201d<\/p>\n <\/i>Consultation of signed documents and transaction accounts will take place directly on Inbank.<\/p>\n Of course, the Client always has the option of operating in the traditional way or receiving a paper copy of the signed transaction on the tablet.<\/p>\n The Graphometric FEA complies with advanced electronic signature processes implemented on the basis of the provisions of the Digital Administration Code and the reference legislation in force from time to time, for more information in this section is available the descriptive documentation of the service.<\/p>\n[\/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” 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Sending a registered letter with return receipt Holders of Bearer Deposits<\/strong><\/p>\n\n
How to End the Dormant Status of the Account<\/h4>\n
\n
What Are the Consequences for Dormant Accounts That Are Not Reactivated<\/h4>\n
Publication of Lists of Dormant Accounts<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1717512456858{margin-bottom: 0px !important;}”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” bottom_margin=”0px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” 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