When a bank account is locked, customers are unable to perform transactions such as transfers, withdrawals, bill payments, or balance checks. If customers suspect that their bank account is locked, they can call the hotline or visit a branch directly. There are various reasons why a bank account may be locked, with common causes including:

• Suspected Account Compromise: Given the importance of security related to assets, banks prioritize the safety of each account. If unusual or high-value transactions are detected, or if there is a suspicious transaction frequency, the bank’s system may identify the account as compromised and temporarily lock it. Additionally, entering the wrong password multiple times on online or digital banking platforms can also lead to a temporary account lock.
• Inactive Account: If no outgoing transactions occur on an account within a specified period—usually over a year, depending on the bank’s policy- the system may determine that the account is no longer in use and automatically lock it. Before taking this step, the bank will notify the account holder.
• Bank Policy Violations: If the account holder violates the bank's usage requirements, the account may be locked or frozen without prior notice.
• Incomplete Personal Information: To ensure information security and reduce the number of inactive accounts, the bank may request additional information to verify the account. If the account holder fails to provide the necessary information within the given timeframe, the account will be locked.
• Order from Regulatory Authorities: Courts, tax authorities, social insurance agencies, or law enforcement may request a temporary account lock to support investigations, monitor transactions, or enforce judgments related to an individual or business.
• Request from the Account Holder: The account holder may request to close or temporarily lock their bank account due to a lack of need, for collateral purposes, or other personal reasons. Upon the owner’s request, the bank account will be locked.