Inactive Account: If an individual is not able to do transactions for more than 12 months through a saving account, the account will be classified as inactive.Dormant Account: If an individual is not doing any transaction for more than 24 months from his/her savings account, the account is classified as dormant.This is done to safeguard the interest, as it may be possible that an individual is not monitoring his/her account. The possible restrictions on these accounts are:Issuance of cheque bookRenewal of ATMTransaction through ATM or internet banking.