Like this: the individual has a bank account with some left over balance (not much) but the last time it was ever used for any transactions was like 48 months ago (since then, no further activity has been recorded nor has the associated card been used to conduct a transaction). Just because it’s inactive, can the bank close that person’s account due to inactivity?
Depends on the bank and the type of account. I have an accont that had 0 balance and 0 activity for years, and it’s still open. I had an other account closed for inactivity (with decent prior notice). In another case, I have received an email from the bank that due to inactivity, I can either close the account or they will start charging a monthly fee.