E.Sun Bank's New Policy Takes Effect September 1! Withdrawal Limits for Dormant Accounts Reduced to NT$20,000, Affecting ATMs and Debit Cards

To prevent fraud groups from using inactive accounts for illegal transactions or as straw-man accounts, E.Sun Bank announced that starting September 1, 2026, it will gradually reduce automated service transaction limits for 'dormant accounts'—those with no transaction records for over 3 years and balances below NT$10,000. The daily combined limit for withdrawals and transfers will be uniformly reduced to NT$20,000. This measure aligns with financial institutions' enhanced account security policies, aiming to reduce the risk of long-unused accounts being misused by fraud syndicates.

E.Sun Bank's New Policy Takes Effect September 1: Reduced Transaction Limits for Dormant Accounts to NT$20,000

According to E.Sun Bank's announcement, accounts subject to control must meet both of the following conditions:

1. Inactivity Period: If a New Taiwan Dollar deposit account has had no transaction records for over 3 years since the last transaction (note: interest accrual is not counted as a transaction).

2. Balance Threshold: The individual account balance is below NT$10,000.

Accounts meeting both criteria will have their automated device transaction limits gradually reduced starting September 1, 2026. Affected services and limit regulations are as follows:

· Daily withdrawal and deduction limit of NT$20,000: Includes physical ATM withdrawals, foreign currency cash withdrawals domestically and overseas, debit card (Debit Card) payment deductions, and cardless withdrawals. All items are combined, with a maximum daily total of NT$20,000.

· Daily transfer limit of NT$20,000: Includes regular designated transfers, non-designated transfers, and other designated transfers. All transfer types are included in the daily total limit of NT$20,000.

How to Lift Limitations: Account Closure and Reactivation Options

If account holders receive a notification or discover their account is restricted, they may choose the following options:

· Restore original transaction functions: If the account is still needed, the holder must bring identification to any E.Sun Bank branch to complete identity verification and lift the restriction, restoring the account's original transaction limits and functions.

· Close the account: If the account is no longer needed, the holder can bring identification to a branch to close and settle the account, ensuring personal financial security.

Nationwide Financial Institutions Mobilize! Multiple Banks Upgrade Dormant Account Controls

To comply with the Financial Supervisory Commission's anti-fraud policies, multiple financial institutions have recently upgraded their dormant account management measures. Banks including Taiwan Bank, Taishin Bank, Chunghwa Post, Cooperative Bank, Taipei Fubon Bank, and Bank SinoPac have all implemented similar controls for dormant accounts.

Different financial institutions have slightly varying criteria and control methods for dormant accounts:

· Taiwan Business Bank: Directly suspends automated transaction functions for accounts with no deposit or withdrawal records for over six months and balances below a specific threshold.

·兆豐 Bank: If an account is involved in fraud or exhibits high-risk characteristics, the bank may directly close it to protect fund security.

E.Sun Bank's Dormant Account Control Policy Summary (Effective September 1)

Item: Detailed Regulations and Control Content

Implementation Date: Phased implementation starting September 1, 2026

Applicable Accounts: Accounts with no transaction records for over 3 years (excluding interest accrual) and balances below NT$10,000

Withdrawal and Deduction Limit: Daily combined cap of NT$20,000 (including physical ATM withdrawals, foreign currency cash withdrawals, debit card deductions, cardless withdrawals)

Transfer Service Limit: Daily combined cap of NT$20,000 (including regular designated transfers, non-designated transfers, other designated transfers)

Lifting Control: Account holders must bring identification to any E.Sun Bank branch to complete verification

Account Closure: If no longer needed, bring ID to any E.Sun Bank branch to close and settle

Other Banks' Similar Measures: Taiwan Bank, Taishin, Chunghwa Post, Cooperative Bank, Fubon, SinoPac all have similar controls; Taiwan Business Bank suspends automated transactions after six months of inactivity,兆豐 Bank may directly close high-risk accounts

Q1: Does the semi-annual or annual interest payment from the bank count as a 'transaction record'?

A1: No. E.Sun Bank explicitly states that interest accrual is not counted as a transaction record. Only actual transactions initiated by the account holder—such as deposits, withdrawals, or transfers—qualify as valid transaction records.

Q2: If an E.Sun Bank account has not been used for over 3 years but has a balance of NT$20,000, will its limit be reduced?

A2: No. The control conditions require both 'over 3 years of inactivity' and 'balance below NT$10,000.' If the balance exceeds NT$10,000, it is not subject to the automated device limit reduction.

Q3: If an account's limit has been reduced, how can the original daily withdrawal and transfer limits be restored?

A3: The account holder must personally bring identification to any E.Sun Bank branch to complete identity verification. Upon confirmation, the limit control will be lifted, and original functions restored.