定期存款虽然auto renew 但在7年内必须至少更新一次，否则逾期之后到银行也拿不到钱了！

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现在的定期存款大多都是会Auto Renew自动更新的，所以我们如果我们没有用到钱的话，那么我们大多数会不去“动”它，给它放在那里慢慢生利息！

可是你懂吗，如果我们的定期存款超过7年没有任何的更新的话，它就会变成dormant account，户口里的钱将会成为unclaimed money, 而你的钱也会转去以下部门；

The Registrar of Unclaimed Moneys

Malaysian Accountant General’s Department

Trust And Securities Management Division

42nd Floor, Menara Maybank

100, Jalan Tun Perak

50050 Kuala Lumpur.

当你的定期存款户口变成dormant account后，你拿着定期存款的单到银行也是提不到钱的哦！

而如果户口的钱转去了以上地址的部门后，我们就必须比较麻烦些，需要亲自带相关文件去该部门填表格拿回钱。

Jabatan Akauntan Negara Malaysia – Unclaimed Moneys Act资料；

What is Unclaimed Money?

 

Definition Of Unclaimed Moneys

Moneys which are legally payable to the owner but have remained unpaid for a period of not less than one year.

Examples under this category are :

salaries, wages, bonuses, commissions and other payments due to employees;dividends

profits declared for distributions;

insurance claims which have been approved for payment;bank draft, cashier’s order and other documents of similar nature which validity period have lapsed;

 

fixed deposits (without automatic renewal instructions) which have matured;

tender deposits for which the intended purpose has been fulfilled;

sundry creditors or sundry debtors with credit balance.

Moneys standing to the credit of an account that has not been operated in whatever manner by the

owner for a period of not less than seven years.

 

Examples under this category are :
savings account;

current account; and

fixed deposits (with automatic renewal instructions).

Moneys to the credit of a trade account that have remained dormant for a period of not less than

two years

 

Examples under this category are :
trade creditors account;

trade debtors account with credit balance.