Can I Check My Balance if My Bank Account is Blocked? (2024)

When your bank account gets blocked, it can be a stressful experience, especially if you’re unsure of the reasons behind it or how to resolve the issue. One common concern and question people are always asking is can I check my balance if my bank account is blocked. In this article, we’ll go through this question and provide guidance on what to do if your bank account is blocked.

Understanding Why Your Bank Account Might Be Blocked

There are several reasons why a bank might block your account:

1. Suspected Fraudulent Activity: Banks closely monitor accounts for unusual or suspicious transactions. If your bank suspects fraud, they may block your account to prevent unauthorized access.
2. Errors in Account Details: Mistakes in your account information, such as incorrect personal details or documentation issues, can also lead to a block.
3. Court Orders or Legal Actions: In some cases, a court may order a bank to block your account due to legal proceedings or debts.
4. Regulatory Compliance: Banks must adhere to strict regulations, and if there’s a compliance issue, your account might be blocked until the matter is resolved.
5. Overdue Debts: If you have overdue debts or unpaid loans, the bank may block your account as a precautionary measure.

But does it also mean you will not be able to check your account balance? Let’s find out.

Can I check my balance if my bank account is blocked

Yes, you can check your balance if your bank account is blocked. While the block may restrict transactions or withdrawals, it often doesn’t prevent you from accessing your account balance through online banking, mobile apps, or ATMs. If you’re unable to access these platforms, calling your bank’s customer service can also help you obtain your current balance.

Normally, if your bank account is blocked, you can’t use it to make transactions or withdraw money. But, that doesn’t necessarily mean you can’t check your account balance. In most cases, you can still check your account balance even if your bank account is blocked. You can do this by logging into your online banking account, mobile app or by using an ATM.

If you can’t access your account, you can also try calling your bank’s customer service number to get your current balance. Listen, there are few things I still want you to keep in mind when it comes to checking the balance of your blocked bank account. Not all banks have the same rules when it comes to blocked accounts.

Some banks might limit how much access you have to your account information until the issue is resolved, while others might let you access certain services but not all of them. It all depends on the bank and the reason why your account was blocked in the first place.

Even if you can check your account balance, it’s important to remember that you might not be able to do other things with your account, like withdraw money, transfer money, or pay bills, while it’s blocked.

The block usually stops any transactions from going through until the problem is fixed, so you’ll have to wait until the block is removed before you can use your money fully.

How Can I Check My Account Balance If My Bank Account Is Blocked

Here are the ways to check your account balance if your bank account is blocked:

1. Mobile Banking App

With your mobile banking app, you might still be able to check your balance even if your account is blocked. All you have to do is log in to the app using your username and password, go to the part where you can see your account summary or balance, and you’ll be able to see your current balance and recent transactions.

2. Internet Banking Services:

With your internet banking services, you can also check your balance by logging in to your account through the bank’s website. Once you’re logged in, go to the part where you can see your account overview or balance, and you’ll be able to see your current balance and a list of recent transactions.

3. USSD Code:

If your bank account is blocked, you can also try using your bank’s USSD code to check your balance. Many banks have USSD codes that let customers use their phones to check their balances and do other basic things with their accounts. All you have to do is dial the code with your phone and follow the prompts to check your balance.

4. ATM

If your account is blocked, you might still be able to check your balance at an ATM. All you have to do is put your debit card into the ATM, follow the instructions on the screen, and you’ll be able to see your balance. Keep in mind that some ATMs might charge you a fee for checking your balance, so it’s a good idea to check with your bank first.

5. Call Customer Care

If none of the above options work, you can always call your bank’s customer service number or send them an email to ask for help. Even if your account is blocked, you might still be able to use automated phone services or send an email to ask about your balance. Keep in mind that if your account is blocked, it might take a little longer to get help, but it’s always good to have this option available.

Conclusion

Even though having your bank account blocked can be inconvenient, it doesn’t mean you can’t check your account balance at all. Many banks have other ways for you to check your balance, even if your account is blocked. You can use USSD code, mobile banking apps, internet banking platforms, ATMs or automated phone systems to stay up to date with your account status while you work to fix the problem.