ATM machines cannot check time deposits. Time deposit business can only be handled at the branches and business departments of various commercial banks at all levels.

RMB time deposits are usually divided into six interest rate grades: three months, half a year, one year, two years, three years, and five years; foreign exchange time deposits of Chinese-funded enterprises can be divided into one month and three months , six months, one year, two years and five levels.

Interest for RMB unit time deposits will be calculated during the deposit period according to the time deposit interest rate announced on the date of deposit. In the event of interest rate adjustments, interest will not be calculated in installments.

Extended information:

Before the National Day, Sister Li, who lives in Changgou Town, Jining, went to the bank to withdraw money and found that all the cash in the card was missing. This made Li very anxious. Sister, she asked her relatives to try again, but there was still no money in the card. What should I do? In desperation, Sister Li came to the police station for help. With the help of the police, Sister Li realized that she had deposited the money in a fixed term, and the amount of the fixed deposit could not be checked on the ATM machine.

At around 10 noon on October 2, a rural woman in simple clothes came to the Changgou Police Station of the Rencheng District Public Security Bureau. After seeing the police, she kept crying to the police, but she was very excited. , her words were a little incoherent. Later, after careful identification, the police found out that it was because there was no money in her bank card. After stabilizing her emotions, the police learned through patient and detailed understanding that the woman's surname was Li and that she lived in Changgou Town.

Two days ago, when she went to the bank's ATM to withdraw money for her children's schooling, she found that the deposit in the bank card was gone, because the money in the bank card was used to save money on work and food in the past few years. She had saved it, so she was very excited when she found out about it. She hurriedly found her nephew to check again. After many ATM machine inquiries, she also found that there was no money in the bank card.

In desperation, Sister Li went to the police station for help. After learning about the situation, in order to solve the problem as soon as possible, the police immediately went to the Agricultural Bank of China for on-site confirmation. After communication and verification with the salesperson, it was confirmed that the cash in Sister Li's bank card was not lost, but because she deposited the money into a fixed term. Due to the bank's internal system problem, the amount of the fixed deposit could not be queried on the ATM machine.

It turned out that this was just a false alarm. After learning about the incident, Sister Li breathed a sigh of relief and thanked the police repeatedly. Through this matter, the police communicated with the bank leaders in a timely manner and conducted an on-site lecture on financial knowledge in the jurisdiction. They explained the common problems with bank cards to the public one by one and explained the handling methods, which won the unanimous approval of the people in the jurisdiction. Good reviews.

Baidu Encyclopedia - Time Deposit

Qilu.com - A citizen in Jining called the police and the time deposit amount could not be checked on the ATM machine