Union Bank of India Dormant Account Reactivation 2026 — Complete Guide

Union Bank of India (which merged with Andhra Bank and Corporation Bank in 2020) marks accounts dormant after 24 months of no customer-initiated debit transactions. Here's how to reactivate your Union Bank dormant account, including legacy Andhra/Corporation Bank accounts.

Union Bank Dormant Account — Impact

Method 1: Vyom Mobile App

1. Open Union Bank Vyom app → Login
2. "Services" → "Account Services" → "Dormant Account Reactivation" (if visible)
3. Complete KYC (Aadhaar OTP preferred)
4. Submit request
5. Processing: 24–72 hours

Method 2: Union Bank Net Banking

1. Login at unionbankonline.co.in
2. "My Account" → "Account Services" → "Reactivate Dormant Account"
3. Update KYC if prompted
4. Submit
5. Processing: 2–5 working days

Method 3: Branch (Most Reliable)

1. Visit any Union Bank branch
2. Carry: Aadhaar + PAN (originals + copies)
3. Request "Dormant Account Reactivation Form"
4. Deposit ₹100–₹500 at counter → Triggers reactivation
5. Same-day processing

Union Bank Customer Care: 1800-22-2244 (toll-free)

Legacy Andhra Bank / Corporation Bank Accounts

If your account was originally with Andhra Bank or Corporation Bank:

• Dormancy rules are same (24 months)
• Bring old passbook + Aadhaar + PAN to any Union Bank branch
• Branch will verify merger records before processing
• New Union Bank account number was assigned — confirm which number to use
• If you don't know the new account number: Give old Andhra/Corp account number at branch

Frequently Asked Questions

Union Bank account dormant — can I reactivate online without visiting branch? Try Vyom app first (reactivation option available for some accounts). If not available or if KYC is outdated, branch visit is required with Aadhaar + PAN.

My Andhra Bank account (now Union Bank) is dormant for 8 years — can I claim it? Yes — visit any Union Bank branch. The merger records are maintained. Carry old Andhra Bank passbook + Aadhaar + PAN. Balance is recoverable until 10 years (then DEAF). Even post-DEAF, amount is claimable at branch.

Union Bank dormant account — how long does branch reactivation take? At branch: Same day (2–4 hours). The core banking system updates in real-time. Test with ATM withdrawal by evening.

DEAF transfer for Union Bank accounts — when does it happen? After 10 years of dormancy/unclaimed balance, Union Bank transfers funds to RBI's DEAF Fund. To claim: Visit Union Bank branch → Fill DEAF Claim Form → Recovery takes 3–7 working days.

Union Bank dormant account with zero balance — will they close it? Union Bank may initiate closure for zero-balance dormant accounts after extended periods. Reactivate before this happens. If already closed, a fresh account opening is needed.