1. You can set up a joint account: a joint account means that two or more individual customers can be allowed to open an account in a bank together. Personal current settlement account or lump-sum deposit and withdrawal time account in local and foreign currencies promised at the time of transfer. A joint account can handle both local currency business and foreign exchange business. However, the establishment of a common joint account should have specific purposes, such as buying a house and transferring the right to use it. Two people must be present when withdrawing money, and different login passwords can be used to withdraw money;
2. Joint persons in a joint account can jointly set up an account, jointly manage the account, or transfer the assets in the account through commitment; You can also use account assets to share resources, which is convenient for couples, siblings or partners to share information and use funds anytime and anywhere.
The above is a time deposit with husband and wife's names written on it.
Is there any risk in bank time deposit?
There are some risks in bank time deposits, but the hidden dangers are relatively small. The biggest risks come from market inflation and soaring prices. There is no advantage in the interest rate of bank time deposits. Long-term time deposit will directly affect the use value of money, and the profit generated by the interest rate of time deposit cannot offset the loss of money price. On the other hand, banks also face the risk of declaring bankruptcy. Although there is a deposit insurance system as a guarantee, the part exceeding 500,000 yuan can only be compensated according to the liquidation result of the bank.
Can I withdraw my deposit from the ATM?
Time deposits cannot be withdrawn through atm machines. Generally speaking, the bank's atm only shows the current deposit balance of the bank card account. If the demand deposit and the time deposit are in different accounts of the same bank card, the customer can only change the time deposit into demand deposit and then handle the cash withdrawal business through atm. This article mainly aims at the knowledge point that time deposit can write husband and wife's names, and the content is for reference only.