What action is taken on accounts labeled as inoperative?

Accounts labeled as inoperative are treated as dormant accounts, meaning they remain inactive but are not closed. These accounts typically involve funds that are not accessed or managed for a certain period, during which they maintain their status as dormant. The account holder can still claim ownership and access the funds in these accounts, thereby ensuring that individuals do not lose their funds due to inactivity.

The other options do not accurately reflect standard procedures regarding inoperative accounts. Automatic closure, investigation flags, or penalties for inactivity are not typical actions taken for accounts that have been designated as inoperative. Instead, the focus is on maintaining the account until the owner takes action to reactivate or claim the funds.