First, the unit notice deposit account opening regulations

When opening an account, the unit shall submit the application for opening an account, the original business license and other materials, and reserve the seal.

Second, the unit RMB notice deposit

1. Category: one-day notice deposit and seven-day notice deposit.

2. Interest rate and initial deposit amount

Interest rate: one-day notice1.08%; Seven-day notice 1.62%

Initial deposit amount: the minimum initial deposit amount of the company's notice deposit is 500,000 yuan, and the minimum withdrawal amount is 6,543,800 yuan. Depositors need to deposit in one lump sum, withdraw in one lump sum or withdraw in installments.

3. Interest reserve

1), if the actual deposit period is less than the notice period, interest will be calculated at the deposit rate;

2) If the withdrawal is not notified in advance, the interest will be calculated at the deposit rate;

3) If the withdrawal is made in advance or overdue after notification, the interest on the withdrawal part shall be calculated according to the deposit interest rate;

4) If the withdrawal amount exceeds the agreed amount, interest shall be calculated at the deposit interest rate;

5) If the withdrawal amount is less than the agreed amount, the interest shall be calculated at the current interest rate.

6) If the withdrawal amount is lower than the minimum notice amount, interest will be calculated at the deposit interest rate.

7) If the notice deposit has gone through the notice formalities and has not been withdrawn or cancelled within the notice period, no interest will be accrued during the notice period;

4. Relevant regulations

1). Call deposit is registered deposit. The company's notice deposit is in the form of registered certificate of deposit, and the words "one-day notice deposit" or "seven-day notice deposit" must be marked on the certificate of deposit.

2) When the company notifies a deposit to open an account, regardless of the actual deposit term, it can be divided into one-day notice deposit and seven-day notice deposit according to the length of the depositor's early withdrawal notice. One-day notice deposit must be notified one day in advance, and seven-day notice deposit must be notified seven days in advance. After the company selects the notice deposit type, it may not be changed.

3) The depositor shall notify the financial institution in advance and agree on the withdrawal method of the notice deposit, which shall be agreed between the financial institution and the depositor.

4) When depositing a notice deposit, the depositor can freely choose the type of notice deposit, one-day notice deposit or seven-day notice deposit, but the deposit certificate or deposit certificate does not indicate the deposit term and interest rate, and the financial institution will bear interest according to the corresponding interest rate announced on the withdrawal date and the actual deposit term, and the interest will be paid off together with the principal.

5) If the retained part of the notice deposit is higher than the minimum deposit amount, a new deposit certificate shall be issued according to the retained amount, the original deposit date and the original agreed notice deposit type, and the original certificate shall be recovered. If the retained part is lower than the initial deposit amount, the account shall be liquidated, and the interest shall be calculated according to the deposit interest rate listed on the account liquidation date or converted into other deposits according to the depositor's wishes.

Third, the unit foreign currency notice deposit

1, concept

Corporate foreign currency call deposit refers to a foreign currency time deposit in which the depositor does not agree on the deposit period, and needs to inform our bank in advance when withdrawing money, and can only withdraw it after agreeing on the withdrawal date and amount. Foreign currency deposits are registered deposits.

2. Deposit object

The object of foreign currency notice deposit is the institutions and individuals who meet the requirements of foreign currency time deposit for units and individuals in accordance with the relevant regulations of the People's Bank of China, the State Administration of Foreign Exchange and the Head Office (units must have foreign currency and foreign currency accounts).

3. Types and currencies of deposits

Type: The variety of foreign currency notice deposit is seven days, that is, no matter how long the actual deposit period is, the depositor must inform the bank of the amount and date to be withdrawn seven days before the withdrawal date according to the notice method agreed with the bank in advance.

Currency: US dollar, Japanese yen, Hong Kong dollar, Euro, British pound, Canadian dollar, Swiss franc, Australian dollar and Singapore dollar.

4. Initial deposit amount:

The minimum initial deposit amount of the company's notice deposit in foreign currency is USD 500,000 or equivalent foreign currency, and the minimum withdrawal amount is USD 500,000 or equivalent foreign currency. Other foreign currencies are converted according to the internal unified exchange rate issued by the State Administration of Foreign Exchange in that month.

Notice deposit of foreign currency requires lump-sum deposit and withdrawal, which can be lump-sum deposit and withdrawal or installment withdrawal.

5. Interest rate (implementation date: June 2003 1)

USD 0.25000% JPY 0.00050%

GBP HKD 0.3 1250%

Euro against Swiss franc

Canadian dollar 0.62500% Australian dollar 1.72500%

Singapore dollar 0.28750%

Note: A: Among them, the interest rates of USD, GBP, EUR, JPY, Canadian dollar and Swiss franc are determined according to the seven-day notice interest rate among the interest rates of small foreign currency deposits published and implemented by the People's Bank of China on June 9, 2002, while the interest rates of Australian dollar and Singapore dollar are determined according to April 2002 and June 2003.

B: A foreign currency call deposit of $500,000 or above (excluding $3 million) or below is a small foreign currency call deposit; The interest rate shall be in accordance with the interest rate of small foreign currency deposits published by the People's Bank of China.

C: For large foreign currency call deposits (above US$ 3 million), the preferential interest rate is implemented, and the preferential margin is determined according to the comprehensive contribution of customers to our bank. Except for special factors, the interest rate is generally lower than the customer's one-month time deposit rate.

6. Interest provisions

1), and the actual deposit period is not less than seven days (including seven days). If the withdrawal date is notified seven days in advance, the interest will be calculated according to the deposit interest rate notified on the notification date and the actual deposit period, and the interest will be settled with the principal.

2) If the actual deposit period is less than seven days, interest will be calculated at the deposit rate.

3) If the withdrawal is not notified seven days in advance, the interest will be calculated at the deposit rate.

4) If the withdrawal is made in advance or delayed after the notification formalities, the interest on the withdrawal part shall be calculated according to the deposit interest rate.

5) If the withdrawal amount is less than the agreed amount, interest will be calculated at the deposit interest rate.

6) If the withdrawal amount exceeds the agreed amount, interest will be calculated at the deposit interest rate.

7. Provisions on partial withdrawal

1), the small foreign currency notice deposit is partially withdrawn, and if the retained part is higher than the minimum deposit amount, it will still be treated as notice deposit, and the deposit period will be calculated from the original account opening date; If the retained part is lower than the minimum deposit amount, the account shall be closed, and the interest shall be calculated according to the deposit interest rate listed on the closing date, or converted into time deposits of other grades according to the wishes of the depositor.

2) If the large foreign currency notice deposit is partially withdrawn and the retained part is higher than the minimum deposit amount (US$ 3 million), it will still be treated as a large foreign currency notice deposit and the original preferential measures will be followed; If the retained part is lower than the minimum deposit amount, it will be converted into a small notice deposit, and the calculation method will be handled with reference to the small notice deposit method.

Fourth, the handling of special circumstances

1. The Company notifies the handling procedures and interest-bearing provisions of the deposit, but the withdrawal date of the notification outlets is Saturday, Sunday or holiday:

This case is handled on the first working day after Saturday, Sunday or holiday, and the interest is calculated at the call deposit rate, but the excess days are calculated at the current interest rate.

Verb (abbreviation of verb) informs the loss reporting/cancellation of deposit certificate.

1. The depositor will notify the loss reporting of the deposit certificate, issue an official letter from the depositor and an application for loss reporting, explain the reasons and apply to the bank for loss reporting.

2. The teller shall indicate the words "Loss of Deposit Certificate" on the bank retention card. After 10, notify the deposit varieties to issue new "vouchers" according to the original notice deposit value date.

3. If the depositor retrieves the original notice deposit certificate within 10 days after reporting the loss, he can go through the reporting procedures with the depositor's official letter and application for reporting the loss, and the bank will go through the reporting procedures for the depositor after checking it correctly.

The provisions of this business are slightly different in different regions. For details, please contact the local 95588 or bank ~

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