A dormant account is a trading account that has seen no logins, trades, or funding movements for a period defined in the broker's terms, after which it is flagged and treated differently from an active one. The consequences vary: brokers commonly begin applying a periodic inactivity charge against the remaining balance, may restrict access until identity documents are refreshed, and, where unclaimed-property rules apply in the jurisdiction, may eventually be required to transfer residual funds to a state or regulator-run scheme. Clients keep the right to reclaim their money, but the process is slower than a normal withdrawal. Closing an unused account or withdrawing the balance avoids charges quietly accruing against funds nobody is watching.
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Account Types, and What Actually Changes Between Them
Standard, raw, cent, swap-free, professional. What genuinely differs between the tiers, and the one reclassification that costs you protections.