1, time deposit

Refers to the deposit form in which the depositor and the bank agree on the deposit term and withdraw the principal and interest at maturity. The currency of time savings deposits comes from the surplus of urban and rural residents' monetary income and the part accumulated for a long time to buy bulk consumer goods or facilities. This form of savings can provide a stable source of credit funds for banks, and its interest rate is higher than that of current savings, but its liquidity is poor.

(1) lump-sum deposit and withdrawal

Lump sum deposit and withdrawal: refers to personal deposits with agreed term, lump sum deposit and withdrawal, and repayment of principal and interest at one time. RMB is deposited in 50 yuan, and one-time foreign exchange is deposited in foreign exchange. The initial deposit amount is equivalent to RMB 65,438+000. In addition, an ID card must be provided when withdrawing in advance. For withdrawal on behalf of the depositor, it is necessary to provide not only the depositor's ID card, but also the payee's ID card.

This seed stock can only be partially withdrawn once in advance. 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 lump-sum deposit can be automatically transferred on the maturity date, or it can be transferred according to the wishes of customers. The deposit period of RMB is divided into six grades: three months, six months, one year, two years, three years and five years. The term of foreign currency deposits is divided into five grades: one month, three months, six months, one year and two years.

(2) lump sum deposit and withdrawal

Refers to personal deposits with agreed deposit period, fixed monthly deposit amount (determined by you) and one-time withdrawal of principal and interest at maturity. The procedure of opening an account is the same as that of current savings, except that it needs to be renewed every month according to the amount agreed at the time of opening an account. The procedures for depositors to withdraw in advance shall be handled with reference to the relevant procedures for lump-sum withdrawal of time savings deposits.

Generally, the deposit starts at five yuan and is made once a month. If there is something missing, it should be made up next month. Interest is calculated according to the actual deposit amount and the actual deposit period. The deposit term is divided into one year, three years and five years. The interest shall be calculated at the zero deposit and lump-sum interest rate listed on the deposit opening date, and the unexpired withdrawal or early withdrawal shall be calculated at the current interest rate listed on the withdrawal date.

(3) lump sum deposit and withdrawal

It refers to a personal deposit with an agreed deposit period when opening an account, in which the principal is deposited in one lump sum and the principal is withdrawn in installments within a fixed period of time. The procedure for opening a deposit account is the same as that for opening a current account. From the deposit of 1000 yuan, the withdrawal period is divided into one month, three months and six months, which is determined by you and the business outlets. Interest is calculated at the zero withdrawal rate listed on the deposit opening date, and will be withdrawn at the time of settlement.

2. Deposit principal and interest.

It refers to personal deposits with agreed deposit period, lump-sum withdrawal, interest withdrawal in installments according to a fixed period and principal withdrawal at maturity. Usually it's five thousand yuan. You can withdraw interest once a month or several months, and you can withdraw any amount many times within the withdrawal limit agreed at the time of opening an account.

Interest is calculated according to the listed deposit rate on the account opening date, and the unexpired withdrawal or early withdrawal is calculated according to the listed current interest rate on the withdrawal date. The deposit term is divided into one year, three years and five years. Its account opening and withdrawal procedures are the same as current savings, and its early withdrawal procedures are the same as lump-sum deposit and withdrawal.

3. Demand deposit

Refers to a kind of deposit that can deposit and withdraw cash at any time and has no specified term. The starting point of current savings is 1 yuan. Save as much as you want. When opening an account, the bank will issue a passbook, deposit and withdraw money, and the interest will be settled once a year. Generally speaking, the currencies participating in such savings are as follows:

(1) Monetary income temporarily not used for consumption expenditure.

(2) Reserve accumulated currency for purchasing bulk durable consumer goods.

(3) The working capital of self-employed households shall be deposited in the bank in the form of current savings before problems such as account opening and transfer are solved. Current savings are highly mobile, flexible and convenient, and suitable for storing the funds needed in personal daily life, but the income is low.

(1) live stool.

It refers to a personal deposit that can be withdrawn at any time without an agreed term when the deposit is opened, and the bank bears interest according to the actual term of the customer's deposit.

For deposits in 50 yuan with a maturity of less than three months, the interest shall be calculated according to the current interest rate listed on the withdrawal date;

If the deposit term is more than three months (including three months) but less than half a year, the interest shall be calculated at a 60% discount on the three-month lump-sum deposit rate listed on the withdrawal date;

If the deposit period is more than half a year (including half a year) but less than one year, the whole deposit period will bear interest at 60% of the deposit rate for half a year on the withdrawal date;

If the deposit period is more than one year (including one year), no matter how long the deposit period is, the whole deposit period will bear interest at a discount of 60% at the one-year deposit rate on the withdrawal date.

(2) Notice deposit

It refers to a personal deposit method in which the deposit period is not agreed, and the bank is notified in advance when withdrawing money, and the withdrawal date and amount are agreed. The minimum deposit amount is RMB 50,000 (inclusive), and the equivalent foreign currency is USD 5,000 (inclusive).

For convenience, you can inform the withdrawal date in advance or agree on the date and amount of deposit transfer when you open an account. Personal notice deposits need to be deposited in one lump sum, which can be withdrawn in one lump sum or in installments. However, after installment withdrawal, the account balance cannot be lower than the minimum deposit amount. When it falls below the minimum deposit, the bank will close the account and turn it into a demand deposit.

Personal notice deposits are divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice period selected by depositors. One-day notice deposit requires a withdrawal notice to the bank one day in advance, and the deposit period needs at least two days; Seven-day notice deposit needs to send a withdrawal notice to the bank seven days in advance, and the deposit period needs at least seven days.

(3) Education savings

Education savings is to encourage urban and rural residents to save money for their children to receive non-compulsory education and promote the development of education. The object of education savings is students above grade four (including grade four) in primary schools.

Duration: Educational savings deposits are divided into three types: one-year, three-year and six-year periods.

Account limit: each account of education savings is deposited in 50 yuan, with a maximum principal of 20,000 yuan.

Interest concession: customers can enjoy interest concession by drawing the principal and interest in one lump sum with the identity certificate of students receiving non-compulsory education provided by the school, and are exempt from interest income tax on savings deposits.

Interest tax shall be temporarily exempted from collection from June 5, 2008+10/October 9.

Difference:

1, with different definitions.

2. The deposit term is different.

The term deposit of lump sum and lump sum is a term deposit in which the term of deposit is agreed at the time of deposit, the principal is deposited in one lump sum, and the principal and interest are withdrawn in one lump sum at maturity.

Lump-sum deposit and withdrawal is a kind of time deposit. You agree on the deposit period, deposit the principal in one lump sum, withdraw the fixed principal in installments, and settle the interest in one lump sum at maturity.

A demand deposit is a deposit with no term.

The principal and interest deposit is a time deposit, in which the principal is paid in one lump sum, the interest is paid in equal installments, and the principal is paid in one lump sum at maturity.

3. The initial deposit amount is different.

Lump-sum deposit and withdrawal, lump-sum deposit and withdrawal on a regular basis, starting from 50 yuan, and unlimited deposit. One-time deposit, take one thousand yuan from it. If you don't have a regular job, you can deposit it in 50 yuan for any amount. Deposit with principal and interest, fixed deposit starting from 5000 yuan.

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