inactive account; dormant account

简明释义

不活动的帐户

英英释义

例句

1.My credit card company sent a reminder about my inactive account 非活动账户 status and suggested using it more often.

我的信用卡公司发来了关于我非活动账户 inactive account 状态的提醒，并建议我更频繁地使用它。

2.To avoid fees, I decided to make a small deposit into my inactive account 非活动账户.

为了避免手续费，我决定在我的非活动账户 inactive account 中存入一小笔款项。

3.I found out my savings were in a dormant account 沉睡账户 because I hadn't accessed it for over five years.

我发现我的储蓄在一个沉睡账户 dormant account 中，因为我已经超过五年没有访问它了。

4.The bank notified me that my inactive account 非活动账户 would be closed if no transactions were made in the next six months.

银行通知我，如果在接下来的六个月内没有任何交易，我的非活动账户 inactive account 将被关闭。

5.After checking my financial records, I realized I had several dormant accounts 沉睡账户 that needed to be closed.

检查我的财务记录后，我意识到我有几个需要关闭的沉睡账户 dormant accounts。

作文

In the world of banking and finance, terms like inactive account and dormant account are frequently used to describe accounts that have not seen any activity for a certain period. An inactive account is typically defined as an account that has not had any transactions—such as deposits or withdrawals—for a specific duration, often ranging from six months to a year, depending on the institution's policies. On the other hand, a dormant account refers to an account that has been inactive for an extended period, usually longer than a year. While both terms indicate a lack of activity, they can have different implications for account holders and financial institutions.Understanding these terms is crucial for anyone who manages their finances, as both inactive accounts and dormant accounts can lead to various consequences. For instance, if an account is classified as inactive, the bank may charge fees for maintaining the account or even close it after a certain period. This could result in losing access to funds that one might need in the future. Therefore, it is essential for account holders to regularly check their account status and ensure that they are making transactions to keep their accounts active.A dormant account, while similar, often carries more severe repercussions. When an account becomes dormant, the financial institution may take additional steps to secure the funds within it. In some cases, banks may transfer the funds to a state treasury or escheat them, meaning that the account holder could lose access to their money altogether unless they take specific actions to reclaim it. This process can be particularly alarming for individuals who may have forgotten about an old account or those who have lost track of their finances.To prevent an account from becoming inactive or dormant, individuals should adopt proactive financial habits. Regularly monitoring bank statements, setting up automatic transactions, or making small deposits can help keep an account active. Additionally, individuals should be aware of their bank's policies regarding account inactivity. Each institution has different rules, and being informed can prevent unexpected fees or account closures.Furthermore, technology plays a significant role in managing accounts today. With the rise of online banking and mobile apps, it has become easier than ever to stay on top of one's finances. Account holders can receive alerts for any inactivity, ensuring that they remain engaged with their accounts. This technological advancement helps mitigate the risk of accounts becoming inactive or dormant, allowing individuals to maintain better control over their financial assets.In conclusion, understanding the terms inactive account and dormant account is vital for effective financial management. By being proactive and utilizing available tools, account holders can avoid the pitfalls associated with inactivity. Maintaining regular activity in bank accounts not only safeguards against potential fees and closures but also ensures that individuals have full access to their funds when needed. Ultimately, staying informed and engaged with one's finances is the best strategy to prevent accounts from falling into inactivity or dormancy.

在银行和金融的世界中，像inactive account（非活动账户）和dormant account（休眠账户）这样的术语经常被用来描述在一定时间内没有活动的账户。通常定义为在特定期限内没有任何交易（例如存款或取款）的账户被称为inactive account，这个期限通常为六个月到一年，具体取决于机构的政策。另一方面，dormant account是指在较长时间内未进行活动的账户，通常超过一年。虽然这两个术语都表示缺乏活动，但它们对账户持有人和金融机构可能有不同的影响。理解这些术语对于任何管理自己财务的人来说都是至关重要的，因为inactive accounts和dormant accounts都可能导致各种后果。例如，如果一个账户被归类为inactive，银行可能会收取维护账户的费用，甚至在某个时期后关闭该账户。这可能导致失去未来可能需要的资金。因此，账户持有人定期检查其账户状态并确保进行交易以保持账户活跃是非常重要的。而dormant account虽然类似，但通常会带来更严重的后果。当一个账户变为休眠账户时，金融机构可能会采取额外措施来保护其中的资金。在某些情况下，银行可能会将资金转移到州财政部，或者将其归为无主资产，这意味着账户持有人可能完全失去对其资金的访问，除非他们采取特定措施来索回。因此，对于那些可能忘记旧账户的人或那些失去财务追踪的人来说，这一过程可能尤其令人不安。为了防止账户变为inactive或dormant，个人应采取积极的财务习惯。定期监控银行对账单、设置自动交易或进行小额存款可以帮助保持账户活跃。此外，个人应了解其银行关于账户不活动的政策。每个机构的规则不同，保持知情可以防止意外费用或账户关闭。此外，科技在当今管理账户中发挥着重要作用。随着在线银行和移动应用的兴起，跟踪个人财务变得比以往任何时候都容易。账户持有人可以接收任何不活动的警报，以确保他们与账户保持互动。这一技术进步有助于降低账户变为inactive或dormant的风险，使个人能够更好地控制其金融资产。总之，理解术语inactive account和dormant account对于有效的财务管理至关重要。通过积极主动和利用可用工具，账户持有人可以避免与不活动相关的陷阱。保持银行账户的定期活动不仅可以保护免受潜在费用和关闭的影响，还可以确保个人在需要时完全访问其资金。最终，保持对个人财务的了解和参与是防止账户陷入不活动或休眠的最佳策略。