1. If a customer has reason to believe that he/she has funds in a dormant account, he/she should personally, or through a legal representative, approach the Bank concerned and submit a claim with all relevant documentation to prove his/her identity.
    
2. If the customer wants to reactivate a dormant account, the Bank may allow it after taking a photocopy of his/her current ID, verifying them with the originals and updating other details of his/her profile. Banks may also utilize alternate channels of authentication for Dormant Accounts re-activation.
    
3. The Bank, after verifying with the original ID and being satisfied with all other details received, should pay the amount with accrued interest, where applicable (before transfer to the Central Bank), to the customer and maintain a record with following details:

Payments Made Against a Dormant Account

(In any case the Bank should settle claims within a period of one month unless there are valid reasons for delay)

4. The accounts of such customers should be monitored closely to ensure such accounts have not and are not being used for the purposes of money laundering or fraudulent purposes.
    
5. Unclaimed bankers cheques, bank drafts and cashier orders’ claims are to be settled in accordance with the applicable UAE legal framework and Banks’ policies and procedures in relation to these instruments.