There is interest on the early withdrawal of bank time deposits, but the funds withdrawn will bear interest according to the current interest rate listed by the bank on the same day and the actual deposit days. For example, there is a one-year fixed deposit,1October 65438+20 19, and the agreed one-year fixed interest rate is 1.75%. But on February 1 day, investors need to withdraw 5000 yuan in advance. At this time, the interest is calculated according to the current listing interest rate of 0.35% and the actual deposit days. Withdrawing bank time deposits in advance will lose more interest, so it is recommended to make a good capital plan before saving money to avoid withdrawing in advance.
Guide to time deposit processing:
First, the deposit method of time deposit can be cash deposit, transfer deposit or payment in the same city.
Two. There are several withdrawal methods for time deposits.
1. Withdraw in full at maturity, and settle the principal and interest in one lump sum at the specified interest rate;
2. Full withdrawal in advance, and the bank pays interest according to the deposit rate listed on the withdrawal date;
3. Partial withdrawal in advance. If the remaining time deposit is not less than the initial deposit amount, the withdrawal part shall pay interest according to the deposit interest rate listed on the withdrawal date, and the remaining deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, interest shall be calculated and paid according to the deposit interest rate listed on the withdrawal date, and the time deposit shall be settled.
3. RMB time deposits are usually divided into six interest rate classes: three months, six months, one year, two years, three years and five years; Foreign exchange time deposits of Chinese-funded enterprises are divided into five grades: one month, three months, six months, one year and two years.
4. During the term of deposit, RMB unit time deposits shall bear interest according to the interest rate of time deposits announced on the date of deposit. In case of interest rate adjustment, interest shall not be calculated by sections.
Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.