Yes, banks can and do close accounts that remain inactive for extended periods. Most banking agreements include terms regarding dormant or inactive accounts. If an account shows no activity—such as no deposits, withdrawals, or log-ins—for a period typically ranging from 12 to 24 months, the bank may send notices to the address on file requesting activity. If the account remains dormant, the bank will eventually close it to reduce its own administrative and maintenance liabilities. If there is money left in a dormant account, the bank is not allowed to keep it indefinitely. After a certain period of continued inactivity (governed by state law), the bank is required to send the funds to the state government as "unclaimed property." You can then reclaim these funds by contacting the state's unclaimed property division, though it is much simpler to avoid this by making periodic small transactions.