At Capstone FCU, your money is safe and available for use as cash or collateral for a loan, so remember to make regular deposits and maintain your personal information to keep your share account active. Effective May 31, 2011, dormant accounts with no activity will now be charged a monthly $10.00 dormant account fee. And remember, accounts with no activity for three years are classified by the State of California as abandoned property, and credit unions are obligated to turn these funds over to the State you reside in.