Account Status

At NCB, we want banking to be easy and straightforward. Sometimes bank terms can be a little unclear, so we’ve broken down what it means when an account is ‘Active’, ‘Inactive’, or ‘Dormant’.

Understanding your NCB account status: active, inactive or dormant

  • Active Accounts

    Your account is considered ‘ Active ‘ when you regularly make transactions with your Current or Savings account, whether online or with the NCB Mobile app, at the ABM, in-store at a POS machine using your NCB Visa Debit card, or at our branches. And that’s where we want to keep it!

  • Inactive Accounts

    Sometimes things get hectic, and you might not use your account for some time. If you don’t make any transactions for 6 months for Current Accounts or 12 months for Savings Accounts, your account slips into ‘Inactive’ mode.

  • Dormant Accounts

    When an account hasn’t been used for quite a while, we label it as ‘Dormant’. This happens 30 months after a Current Account becomes inactive or 24 months for a Savings Account. That’s about 3 years of no use.

Note: Automatic transactions or standing orders won’t stop your account from becoming inactive or dormant. After they are set up, automatic transfers as bank initiated actions, not customer actions

Time to wake up your account and start banking with NCB again

  • Waking Up Your Inactive Account

    Reactivating an inactive account is a breeze! All you have to do is make a transaction like a deposit, transfer, or withdrawal via our ABMs, online banking services or the NCB Mobile app, or you can do some shopping with your NCB Visa Debit card. And just like that, you’re back in action!

    Find an ABM

  • Reactivating Your Dormant Account

    If your account is dormant, there’s a bit more to do because we need to make sure it’s really you. So, you’ll have to update your ‘Know Your Customer’ (KYC) info. You can do this by popping into a branch or by sending a certified letter of instructions and certified copies of your updated KYC documents via registered mail and use our video verification service on remoteonboarding.jncb.com if you are overseas (you can call us at 888-NCB-FIRST if you need guidance with this). It’s all about keeping your money safe!

    See required documents

The perks of staying active with NCB

  • Grow your Savings

    Watch your savings grow with our competitive interest rates.

  • Convenient banking

    Enjoy easy access to your money 24/7 through our digital banking solutions.

  • Secure transactions

    Rest easy, knowing your money is safe with our robust security measures. Visit jncb.com/Support/Security/Security-Guarantee for more.

  • 24/7 customer support

    Have banking questions? Our friendly customer support team is here to help! Live chat with them on jncb.com or call 888-NCB-FIRST (622-3477) to reach our Customer Care Centre.

FAQs

Got Questions? We’ve Got Answers.

Need help?

If you received an offer code but can’t find it, return to the Loans page and select Check for an Offer, or contact our 24/7 Customer Care Centre at 888-622-3477.