How to Check If an Old Bank Account Is Active

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Regardless of how old a bank account is, financial institutions retain inactive, closed and active accounts in their database. You can easily log into your account online, call the customer service number or visit a branch location -- but that's only if you remember your account information. You can also determine the status of an account by providing specific information to verify your identity.

Online Banking

If you previously enrolled in online banking with your institution, use your username and password to check the status of your account. If you have forgotten these log-in essentials, you can reset your username or password if your email address is in the bank's system. Most institutions will also require you to verify a site key or answer security questions that you set up when you originally enrolled in online banking. Once you have entered your account summary page, all active accounts will be listed.

By Phone

Call the customer service number, which is provided on the financial institution's website. If you know your account number and any phone verification passwords, you can use the automated system to check the status of the account. Otherwise, bypass the automated system by selecting the right code that will connect you with a bank representative. This person will ask for your Social Security number and the address you provided when you opened the account. If you provided answers to security questions when the account was initially activated, you may also be required to answer these questions. Afterward, the representative should be able to locate the account and verify whether it's active or closed.

Branch Location

You can speak directly with a bank representative at one of the branch locations. If you have the account number, the representative can verify if the account is active. Most banks also require you to bring an identification card, like a driver's license or state ID, to verify your identity. If you do not know your account number, a bank representative can still check your account status with your full name, Social Security number and ID.

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