See the Rules and Regulations of GA Section 80-1-8.01 that covers Dormant accounts based on account type and fees.
DDA inactive 12 months no activity
SAV/TIME inactive 5 years no activity
Official Checks - 2 years
You may charge either $5 per month not to exceed $60 OR the regular service charge for the account whichever you disclose to the customer as being the charge for the dormant account. Absent any disclosure you are limited to $5/$60 total. You may only charge either in the 1st 12 months of dormancy. You could also wait and withhold the full amount of fees just before escheating to the state.
You are only allowed to collect a dormant fee for the first 12 months of dormancy whether it is the $5 or the regular service charge. Thereafter - no fee.
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