Help & Support

Lost and Forgotten Savings Accounts

Lost and Forgotten Savings

There are many thousands of forgotten bank and building society accounts in the UK, known as ‘Dormant Accounts’. The definition of a dormant account under the Dormant Bank and Building Society Accounts Act 2008 is one that has had no customer initiated activity for fifteen years or more.

We are committed to making contact with as many affected customers as possible to reunite them with their funds.

If you think you may have a lost or forgotten account with the Society, all you need to do is either:

Visit to submit an electronic account tracing form online.

This is an official site set up by the British Bankers' Association (BBA), the Building Societies Association (BSA) and National Savings and Investments (NS&I) which will help you trace savings you have lost touch with.

Or alternatively, write to us at Cumberland House, Cooper Way, Parkhouse, Carlisle, CA3 0JF, providing as much information on the account as possible.

Ownership of money in these accounts always remains with the customer or their beneficiaries regardless of how much time passes. Customers with accounts identified as ‘dormant’ will retain full membership rights (where applicable). It is also possible to trace another person's lost account if you are legally empowered to do so.

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