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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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.
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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.
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