In my country banks will charge your inactive account with the same fee like when it was active. So, once you come to close it you have to pay the difference. When you open account you sign a contract which states this fee. So you are obligated to pay. And as longer you keep it open your dept is increasing. So, yeah, you have to get in touch with them and close it, personally on their premises.
RE: Is it necessary getting In Touch With Your Bank Before Closing An Empty Account?