You may have some money left in your bankbook, but you forgot because you didn’t make a transaction. There is a service that retrieves lost money like this. It is a service that finds dormant deposits by the People’s Finance Association. Below, I will show you how to use the above service to find my forgotten money.
index
What is dormant account, dormant deposit, and dormant insurance?
Dormant deposit finding service
How to apply for dormant deposit payment
1. Online payment application (find dormant deposits)
2. Visit and apply for payment
3. Time required after application for payment
4. If you must visit and apply in person
5. How to donate dormant deposits
6. Heirs can also apply
What is dormant account, dormant deposit, and dormant insurance?
What is a dormant account 휴면예금 찾아줌
Among the deposits and insurance money held by financial companies such as banks and insurance companies, it refers to the accounts of dormant deposits or dormant insurance money that the customer has not visited. 좋은뉴스
What is dormant deposit?
Among deposits, savings accounts, and installments in banks and savings banks, it refers to deposits that have not been retrieved after the statute of limitations (5 years for bank deposits, no transaction) has expired according to relevant laws or agreements.
Extinction prescription – Put simply, it does not guarantee my rights indefinitely, but means that if I do not exercise my rights for a certain period of time, I can no longer exercise my rights after that period.
What is dormant insurance?
Among insurance contracts of insurance companies, it refers to cancellation (effective) refunds, maturity insurance payments, and policyholders’ dividends that are not returned even after the statute of limitations (three years of claim) has expired according to relevant laws or agreements.
Dormant deposit finding service
First of all, there are two typical ways to look up my forgotten money. It is the dormant account integration inquiry service of the National Federation of Banks and the dormant deposit finding service of the Financial Services Agency.
Of the two methods, the method I recommend is the dormant deposit finding service. In the case of the dormant account integrated inquiry service, only inquiry is possible, but the dormant deposit retrieval service is convenient because it is processed from inquiry to payment at once.
So, what is a dormant deposit?
Contribution dormant deposits refer to dormant deposits contributed by a financial company to the Financial Services Agency for the common people in accordance with Article 40 of the 「Act on Support for Financial Life of the Common People」. In accordance with the 「Act on Supporting the Financial Lives of the Commonwealth」 and the agreement to contribute to dormant deposits between financial companies such as banks and insurance companies and the Financial Services Agency, dormant deposits (insurance funds) whose statute of limitations has been completed are not held by financial companies, but rather It is to appear as a promotion agency.
How to apply for dormant deposit payment
There are two ways to find a dormant deposit (insurance money), either online or in person. Those who have difficulty applying online, or those who must apply in person, must visit and apply in person. We will now describe both methods below.
1. Online payment application (find dormant deposits)
You can apply for payment directly after verifying your identity in the online payment request system for dormant deposits at the Financial Services Agency. You can apply for a joint certificate (formerly accredited certificate) without registering as a member on the site. You can receive payments into your account, or you can make a donation to be used for a good cause.
go. Select dormant deposit management menu
Dormant Deposit-Find-Menu
Select dormant deposit management menu
me. Personal Information Collection and Usage Agreement
Dormant Deposit-Finding-Personal Information
Privacy Consent
All. Joint certificate (formerly accredited certificate) certification
Dormant Deposit-Finding-Authentication
Joint certificate authentication
la. Dormant Deposit Inquiry
Dormant Deposit-Find-Inquiry
Dormant deposit inquiry
mind. dormant deposit payment
Dormant Deposit-Finding-Payment Application
dormant deposit payment
E-1. payment to your account
Dormant Deposit-Finding-Account Payment
Choose to pay your own account
E-2. donation
Dormant Deposit-Finding-Donation
Select Donation
bar. Check payment/donation application details
Dormant Deposit-Find-Check
Check application details
buy. Check application details
Dormant Deposit-Finding-Certificate Issuance
Inquiry of application details and issuance of certificates
Dormant deposit finding site
https://sleepmoney.kinfa.or.kr/index.do
2. Visit and apply for payment
If you visit the branch of the financial company that contributed dormant deposits or the National Financial Integration Support Center for the common people and fill out an application, the person in charge will go through the identification process such as whether you are the person in charge and register the application for inquiry and payment. If the payment application is normally registered, the Agency will immediately pay the dormant deposit to the account identified in the name of the original holder (the depositor).
3. Time required after application for payment
If you apply for dormant deposit payment and receive it normally, the payment will be processed to the requested account within 10 to 15 minutes.
4. If you must visit and apply in person
go. When the name of the original holder (the person) and the name of the account holder do not match (name change, rule of inscription, etc.)
If you apply for payment of dormant deposits on the dormant deposit search site, for safe payment processing, you can apply only when the ‘name of the holder of the dormant deposit (the person)’ of the dormant deposit appearing in the Promotion Agency and the ‘name of the depositor’ of the account for which you are applying for deposit match. .
For example, if the two pieces of information are not the same as in the case of a change of name or the rule of thumb (the last name is ‘Ryu’ in the name of the depositor, but ‘Yu’ in the original form, etc.) You can apply for payment or change information by visiting the Financial Integration Support Center.
When requesting information change, the requested documents may be different for each financial company.
me. In case of exceeding 10 million won
On the Dormant Deposit Locator site, you can apply for payment of the balance of dormant deposit accounts of 10 million won or less that have been contributed to the Financial Services Agency. In order to apply for payment of the balance of the dormant deposit account exceeding KRW 10 million, you must visit the branch of the financial company or apply for it at the Financial Integration Support Center for the Commonwealth.
5. How to donate dormant deposits
The dormant deposits donated to the Financial Services Agency are being used to finance financial support and non-financial support services for fundamental self-reliance and self-reliance for those who have difficulty using institutional financial institutions due to low credit and income. So, you can donate to those in need.
After joint authentication on the ‘Find Dormant Deposits’ site, you can apply for donation of your dormant deposits (inquiry and payment of dormant deposits > consent to collection and use of personal information > inquiry of dormant deposits > application for payment). Or, fill out the ‘Dormant Deposit Donation Agreement’ posted on the Homepage of the Financial Services Agency (Dormant Deposit Guide > Donate) and send it by fax (02-6000-9225) along with the real name verification document. It’s possible.
6. Heirs can also apply
Heirs can also use the above service to retrieve the deceased’s money. Dormant Deposit Search This is possible through an application for inquiry of dormant deposit heirs on the site. When applying for a visit, you may be required to submit additional documents necessary to confirm the relationship between the heirs, etc.
Documents to be submitted may be different for each receiving company.
Good article to read together
Find my sleeping money – Refunds on health insurance, national pension, pay TV, telecommunication fees, etc.
Find My Sleeping Money Do you know? It is said that as of October 2020, more than 8 billion won in unpaid pay TV refunds that the public has not been able to find. Today, these national taxes, service charges, unrefunded health insurance, and paid
ikhos.tistory.com
When I looked up the dormant deposit search site, I found about 6,500 won in total for one bank and one insurance. It took about 5 minutes to inquire, and 10 minutes after I applied, the money was deposited into the account I requested. It doesn’t take much time, so I hope you find your precious money by checking the dormant deposit search site.