Like this: the individual has a bank account with some left over balance (not much) but the last time it was ever used for any transactions was like 48 months ago (since then, no further activity has been recorded nor has the associated card been used to conduct a transaction). Just because it’s inactive, can the bank close that person’s account due to inactivity?
Yes, I had an account get closed after two years of inactivity, even though it had a balance. But they reopened it as soon as i called them. Apparently they had old contact information for me and had been unable to notify me prior to closing. I only found out because it was a very small bank, and when my parents called them for something the teller asked if they had a contact number for me.