1, the deposit threshold is different: China Merchants Bank, as a time deposit product, has a higher deposit threshold than ordinary bank time deposit products. China Merchants Bank has two deposit thresholds of 5,000 yuan and 50,000 yuan, while most ordinary time deposit products do not require a minimum deposit.

2. Different deposit terms: China Merchants Bank has three deposit terms to choose from, namely one year, three years and five years. Generally speaking, you can choose three-month time deposit, half-year time deposit, one-year, two-year, three-year and five-year time deposit.

3. Different withdrawal restrictions: Although both China Merchants Bank and ordinary time deposits support early withdrawal, due to the requirement of deposit threshold, the account balance is required not to be lower than the deposit limit, otherwise it will be automatically converted into demand deposits, and time deposits have no early withdrawal limit.

It is worth noting that China Merchants Bank enjoys time deposits to support individuals' overseas purchases, and there is no age limit for this deposit product.