An open bank account is always susceptible to fraud
There are many reasons why people choose to keep an unused open bank account. It may be because the unused account is a back up of sorts should the need to use it arises in the unforeseeable future. Or it could be because one is reluctant to take on the administration inherent in many banking transactions. Whatever the reason may be, keeping an unused bank account open makes it a target for fraud.
A bank account that has frequent activity is equally liable for fraud, granted. However, with a bank account that is being used there is the benefit of constant activity which means one can keep a proverbial eye on the transactions going off on the account. This is not necessarily the case with a bank account that is not being used. And since the bank account is essentially ‘out of sight’, if there is fraudulent activity going on one will not know until it is too late. Indeed, some bank accounts are open but unused are in that state precisely because there is little or no money in them. But for those that have money in the bank accounts that are not being used will find themselves at the receiving end of banking fraud if they do not take care to close the unused bank account.
Understandably, there is less concern over an open bank account that is unused compared to ones that are open. Yet, fraudulent activity favors accounts that have money, and there is little concern over whether that bank account is closed or open.