What happens if my Calmony account is inactive for 90 days?

Active accounts stay at your current subscription tier. Dormant accounts are priced to reflect the real cost of holding an unused Griffin bank account allocation. 

When you open a Calmony account, you're allocated a dedicated account facility from Griffin Bank. Calmony and Griffin have a finite number of accounts available, and each one is a valuable resource.

If your account remains dormant, with zero balance and no payments in or out for ninety days, we upgrade your subscription tier.

This isn't a penalty for inactivity. Instead, it reflects the genuine cost of holding that allocation when it's not being used.

Active accounts efficiently use Griffin's infrastructure, which means you benefit from optimal pricing. Dormant accounts require us to maintain an unused allocation, so they move to a tier that fairly reflects that overhead.

You'll have seven days from notification to transact through your account and avoid the upgrade. Funds banked, payments processed, or account activity within that window keeps you at your current tier.

For full details on tier pricing, see Choose your Plan 2025 - Calmony Client Bank Accounts.

If you need help getting started with your account, reach out to support@calmony.co - we're here to help you use it.