Banks are required to contact you about an inactive account before reclassifying it as dormant. If Regions Bank closed my account due to overdraft a couple of days ago, can I have it reopened? Many banks will mark inactive accounts dormant after as little as six to 12 months of no activity, representatives from Chase Bank, KeyBank, and Wells Fargo said.You can usually reopen an inactive account by making a transaction (deposit or withdrawal) within a certain period of time, though you may want to check with your bank to make sure your transaction will suffice. That notice will typically include specific information about how long you have to reactivate the account.Once the bank classifies your account as dormant, you can still reopen it. If you can prove that there was no fraud, or show legitimate sources for suspicious deposits, you may be able to keep your account. A collection account could appear on your credit report for as long as seven years. Usually accounts are closed because you are significantly overdrawn, have had frequent overdrafts, or have bounced a number of checks. You can check your bank’s account agreement for specific information.However, if your account is closed because of a high frequency or recurring pattern of overdrafts, you will likely be unable to reopen it.
If a bank closed your account due to a lost or stolen debit card, or confirmed fraudulent activity for which you are not responsible, the bank will usually open another account immediately.