How to Reactivate an ADCB Dormant Account

The bank accounts that have not been used for a long period of time, ranging between 12 months and 2 years, are categorised as dormant bank accounts. The banks have the authority to convert any inactive bank account into a dormant account due to prolonged non-operation.

The major purpose of this categorisation is to ascertain the safety and security of the bank accounts while avoiding the risk of fraudulent transactions taking place. This activity also helps the banks keep a record of all the bank accounts that are not in use currently.

In this post, we will help you learn how you can reactivate your ADCB dormant bank account in addition to why ADCB bank accounts are classified as dormant bank accounts, how they work, and how one can save their bank accounts from becoming dormant. 

How do ADCB Dormant Bank Accounts Work?

Here is what the account holders cannot do using their ADCB bank account that has been categorised as a dormant account.

1. Profile Update

The account holders cannot update their account details such as registered phone number, registered email address, mailing address, or more after their ADCB bank account has been categorised as a dormant account.

2. Deposits or Withdrawals

The account holders cannot make any deposits or withdraw an amount from the ADCB bank account if it has been categorised as dormant due to inactivity.

3. Cheque Issuance

The bank does not issue any chequebooks. Also, the account holders cannot request for a new chequebook if their ADCB bank account is classified as a dormant account.

4. Debit Card Renewal

The account holders cannot request a debit card replacement or renewal while their bank account is categorised as a dormant account.

5. Mobile App Registration

The account holders need to register themselves on the ADCB mobile banking app to access their bank account details on their smartphones. They cannot do the same when their account stands as a dormant account. However, if they were already registered on the app before their bank account became dormant, they can access their account details without authorisation to make a transaction.

6. Signature Modification

The account holders cannot modify their signatures or those of the joint account holders if their bank account has been added to the list of dormant accounts. 

How to Save an ADCB Bank Account from Being Dormant?

Here is what the customers can do to save their bank accounts from being dormant.

1. Cash Withdrawal

The account holders can withdraw cash to keep their ADCB account active and save the same from being dormant. 

2. Cash Deposit

The account holders can also go to one of the bank’s branches or an ATM and deposit some cash in their bank account to save it from being categorised as dormant.

3. Payments

The account holders can also pay their credit card bills, utility bills or make other payments using their bank account. This way, the bank does not track inactivity and categorises the bank account as a dormant account.

4. Fund Transfers

The account holders can also make a fund transfer from their other bank accounts once every month or two to keep their ADCB bank account active.

5. Interest and Dividend

The account holders can also consider opening a fixed deposit and providing their ADCB bank account details to the financial institution for the interest and dividend transactions.

6. Online Account Access

The account holders can also log in to the ADCB online banking portal and make a small transaction every six months to keep their bank account active.

How ADCB Helps in Saving an Account from Becoming Dormant?

Abu Dhabi Commercial Bank conducts annual reviews to list the savings and current bank account numbers with no activity for the past year. The bank informs the account holders about the same and requests them to make at least one transaction to save their bank account from becoming dormant. 

In case the account holders still do not take action, the bank initiates the communication once more prior to three months from classifying the bank account as a dormant account. If the bank is unable to contact the primary account holder, they will also try contacting the alternate contact person, the beneficiary or the employer who got that bank account opened.

ADCB bank credits the applicable interest on the savings account even if it has been classified as a dormant account.

How to Reactivate an ADCB Dormant Account?

Here are the ways that the account holders can use to reactivate their dormant bank account in Abu Dhabi Commercial Bank.

1. Internet Banking

Here are the steps that the bank account holders need to follow to place an account reactivation request using internet banking.

• Step 1: Visit the bank’s website and log in to the internet banking portal using the unique banking credentials. 
• Step 2: Go to the Service Requests section.
• Step 3: Create an account reactivation request by providing all the required details.

Once done, the account holders need to wait for one of the bank representatives to contact them and process their request.

2. Customer Care

The bank account holders can also call the Abu Dhabi Commercial Bank’s help and support line from their registered mobile number to raise an account reactivation request.

3. Bank’s Branch

Here are the steps that a bank account holder needs to follow when placing an account reactivation request at the bank’s branch.

• Step 1: Visit one of the nearest Abu Dhabi Commercial Bank branches and get in touch with one of the representatives to check the status of your bank account.
• Step 2: Submit a written request to one of the bank’s representatives for activating the dormant bank account. 
• Step 3: Next, provide the required details with the supporting documents to complete the request.

In the case of joint accounts, the signatures of all the joint account holders are required on the written request for reactivating the account. The bank representative may also ask the bank account holder to make a transaction for reactivation. 

Final Thoughts 

You can easily prevent your ADCB bank account from becoming dormant by closing the same if you do not need it. You can also make at least one transaction every year to keep the status of your ADCB bank account active.

Almost everything related to ADCB dormant accounts has been covered in the post. If you still have any doubts, you can always contact our financial experts and find answers to your queries in no time.