Lump sum deposit and withdrawal refers to a personal deposit method with agreed deposit period, one-time deposit and one-time withdrawal of principal and interest when opening an account. The amount of deposits in 50 yuan and foreign exchange is equivalent to RMB 100. Personal identification documents must be provided for withdrawal or early withdrawal (generally limited to one time); The payee should provide the depositor's ID card and my ID card. By 20 13, you can directly withdraw all or part of it through online banking, and the remaining part will bear interest according to the original period, and the extracted part will bear interest according to the current period. The interest is calculated according to the interest rate agreed at the time of deposit, and the interest is paid off with the principal. The principal and interest of lump-sum deposit can be transferred automatically on the maturity date or according to the wishes of customers.