Can a bank close your account if you don't use it?
Yes, banks reserve the right to close a savings account at their discretion, provided they do not act in a discriminatory manner. The terms and conditions you sign when opening the account almost always state that the bank can terminate the account relationship at any time, with or without cause, typically by providing you with advance notice. Common reasons for such closures include excessive account activity that violates the user agreement, suspected misuse of the account, maintaining a very low balance for too long, or a decision by the bank to exit a certain market or product line. While you do not need to "give permission" for them to close it, the bank is required to follow its own contractual notice periods, unless there is a specific legal or security reason—such as fraud or a court order—that necessitates an immediate, unannounced closure of the account to prevent further financial harm.
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