What should I do if my bank account is blocked?
If your account was frozen due to suspicious activity
Contact the Bank. The first and most crucial step when you discover that your account has been blocked is to contact your bank's customer service immediately. Getting in touch with the bank will allow you to understand the reasons behind the account block and the specific actions required to unblock it.
Some common reasons for an account to be blocked or frozen include suspected fraudulent activities, suspicious transactions, non-payment of dues, or violation of bank policies. To unblock or unfreeze your bank account, you will need to contact your bank's customer support or visit your nearest branch.
Blocked accounts restrict account owners from unlimited and unrestricted use of their funds in that account. Accounts may be blocked or limited for a variety of reasons, including internal bank policies, external regulations, or via a court order or legal decision.
I, (your name), was an account holder in your branch with account number XXXXXXXXXX. This is to inform you that my bank account is in a dormant/inactive state, currently. I would like to reactivate my bank account in the same branch. Hence, I request you to kindly reactivate my previous bank account.
If your account was frozen due to inactivity
Alternatively, contact your bank directly to inquire about the necessary steps to unfreeze it. You might be required to provide identification and verification documents to confirm your identity and account ownership.
There is no set amount of time that an account may be frozen. Freezes are usually lifted once the account holder satisfies the conditions that led to the freeze. When a bank account is frozen, it may be because of money owed to another individual or business.
How long does a bank account stay locked? The length of time for a bank account freeze depends on your specific situation. For a bank error, the account may be locked for 7 to 10 days, though it could be potentially longer. If the problem is more complicated, the account may stay locked for up to 30 days or more.
A blocked account is a type of account where the funds are frozen, and the account holder cannot withdraw all the funds at once.
Restricted accounts
A restricted account is one in which the bank will not allow the money to be withdrawn without a court order. To make a withdrawal, the guardian or conservator must first ask the judge for a court order.
Can I get money back from blocked account?
In order to receive your money back, you will need to request to close the Blocked Account by submitting a request via Contact Form using "Blocked Account Closing" as a category of request.
You will not be able to make a bank transfer or withdraw funds from it. Your scheduled payments will also be put on hold. However, it's not entirely inaccessible, as you can still monitor and check your balance in a frozen bank account. This freeze can be court-ordered or initiated by the bank itself.
You can't close directly your blocked account. Firstly you needed to unblock your account and then you may request to close your account. After unblocking, you may able to withdraw you money which is already in your account.
If you are able to view this person's profile, see if you can give them a follow. If you are blocked, then you won't be able to follow them at all. A quick tap of the “Follow” button won't go through, and you will continue to see that button without being able to press it.
In order to change the status of the account from "Dormant to Active," the account holder must personally deliver a letter to the bank together with the passbook for savings banks or the cheque book for current accounts and state the reasons why they haven't used the account in the past.
Submit An Application To the Bank
You may have blocked the card willingly when you have realised you misplaced or lost it. However, you found the card later and need to use it. You can directly approach your bank or its branch and submit a written application, requesting an automatic unblock of the ATM card.
You can either telephone or call in at a branch office if they have one. There is usually quite a bit of security screening to make sure that it is you and then they can unlock it immediately.
No. If your account is blocked, it essentially means that funds in them, if any, are frozen. Therefore, the Debit Card transactions will get declined.
The main reasons accounts are blocked:
Suspected fraud. Lack of use. Suspicious transactions. Disputes with your bank.
How Do You Know if Your Bank Account is Frozen? If you have a frozen bank account, you won't be able to use your ATM and Credit/Debit cards as well. Each time, you'll see an error message on the screen, and any transaction that you make will fail to process.
Can online banking be blocked?
If your online banking is locked, there must be a reason. It could be that your balance is negative, and your local branch could tell you what your debits were.
I went to the bank and the customer care told me to bring an identity card and a utility bill and within an hour the account was unblocked. access bank has the most efficient customer service in the industry.
If the bank needs more time to investigate, they can take up to 45 days, but they must at least temporarily return the funds to the cardholder's account by the 10-day deadline. Many banks streamline this process by granting a provisional credit as soon as a dispute is filed.
For simpler situations or misunderstandings, usually, your account is frozen for seven to ten days. Complicated situations may require detailed information from you before the bank decides on the next course of action: to unfreeze or close the account entirely. This decision could take 30 days or more.
Call and write your bank or credit union
Next, call your bank or credit union and say you have revoked authorization for the company to take automatic payments from your account. Customer service should be able to help you, and your bank or credit union might have a form for this online.
