Early withdrawal also has interest, and early withdrawal can handle partial withdrawal and full withdrawal. All interest withdrawn is calculated according to the current period. The interest on partial withdrawal is calculated according to the part withdrawn in advance, and the interest is paid according to the current interest rate. The interest on the remaining deposits will continue to be calculated according to the original deposit term and interest rate until the certificate of deposit expires. Therefore, if partial withdrawal can solve the problem, you can apply for partial early withdrawal.
Lump sum deposit and withdrawal refers to a kind of savings deposit in which the user chooses the deposit term and agrees on the deposit term, and then deposits it in one lump sum, and withdraws the principal and interest in one lump sum at maturity. If lump-sum deposit and withdrawal are required, the minimum deposit amount of RMB is 50 yuan, and the foreign currency is equivalent to RMB 100. Users can handle it through our online banking, mobile banking, outlets and counters. The feature of lump-sum deposit and withdrawal is that the initial deposit amount is low, and 50 yuan RMB can be deposited. There are many options for deposit period, ranging from 3 months to 5 years. Support multi-currency deposits, including RMB, USD, HKD, JPY, EUR and GBP.
Deposit refers to the depositor's temporary transfer or deposit of funds or currency in banks or other financial institutions, or the temporary transfer of the right to use funds or currency to banks or other financial institutions. It is the most basic and important financial behavior or activity and the most important source of credit funds for banks.
Deposit is one of the most basic businesses of banks. Without deposits, there would be no loans, and there would be no banks. In terms of time, deposits are earlier than banks. In the Tang Dynasty, a special counter for receiving and keeping money appeared in China, where depositors could withdraw money with "stickers" similar to checks or other tokens. Money changers in medieval Europe also accepted customers' deposits, which belonged to the nature of currency custody and did not pay interest, which was the bud of foreign bank deposit business. With the emergence of banks and other financial institutions, the deposit business of banks has developed rapidly.
It is not that the longer the shelf life, the more cost-effective. In order to get more interest, many people concentrate their large deposits on three-year and five-year periods, without carefully considering their expected use time, and blindly save all the remaining money for long-term use. If money is urgently needed, it will be withdrawn in advance, and there will be a phenomenon that "the longer the deposit period, the more interest will suffer". In view of this situation, the bank stipulates that the part withdrawn in advance shall bear interest according to the current period, and the part not withdrawn in advance shall still bear interest according to the original interest rate. Therefore, individuals should choose the term and type of deposits according to their own different situations.