How long can my account be inactive before it's closed?

If your account ends the day with a $0 balance for 130 consecutive days, it may be closed—even if there’s activity during the day.

We’ll send reminders before the 130-day mark so you have time to deposit money and keep your account active.

Accounts that stay unfunded and inactive after opening may also be closed.

There are no minimum balance fees, but keeping a small balance can help prevent closure.

If your account is closed for inactivity, you can still apply again in the future.