[mytailorisrich]

They can close it, banks have no problem closing accounts with residual balances and they just keep the money if normal fees exceed the balance.

Too much time is wasted discussing with various bots and call centre-based "customer support" these days. Normal procedure is/was to send a letter instructing them to close the account and to let them deal with it.

[stephen_g]

In my country (Australia) unclaimed money is surrendered to a department of the Federal Government and held in trust, and people can claim it back if they can prove it’s theirs (usually the bank has your name and tax file number so it’s not at all difficult).

So there’s no impediment here to closing accounts after a few years of inactivity, whatever the balance (if it’s positive) it just has to be sent there.