Are banks required to close a checking account that has been in a overdraft state for 90 days. If this is true where can I find it in the regulations?

If your examiner cited this issue, you might check your loan policy. Most loan policies address overdraft checking with a statement as to when the account will be charged off and examiners then review the accounts to see if you are following your own policy.

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Opinions expressed are not necessarily those of my employer.

This is probably a state law. For example, in the Utah State Code 7-3-26 states "An overdraft of more than 90 days' standing may not be allowed as an asset of a bank, unless amply secured and in the process of collection."

You're right! There is a state law in Mississippi as well, see 81-1-91 of the Mississippi Code.

I learn something everyday, thanks everybody.

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Opinions expressed are not necessarily those of my employer.