Disputes over the ownership of savings deposits involving transfer or payment procedures should be handled carefully.
1. After the depositor dies, in order to prove his identity and have the right to withdraw the deposit, the legal heir shall apply to the notary office where the savings institution is located (if there is no notary office, apply to the county or municipal people's court-the same below) for an inheritance certificate, and the savings institution shall handle the transfer or payment procedures accordingly. When there is a dispute over the right to deposit inheritance, the people's court shall make a judgment. A savings institution shall handle the transfer or payment formalities with the judgment, ruling or conciliation statement of the people's court.
Second, the depositor died, but the holder of the certificate of deposit did not declare the inheritance process to the savings institution, nor did he directly withdraw or transfer the deposit to the savings institution before the depositor's life with the judgment of the court where the deposit was located. Savings institutions are regarded as normal withdrawals or transfers, and savings institutions are not responsible for disputes over deposit inheritance caused afterwards.
Three, overseas Chinese, compatriots from Hong Kong, Macao and Taiwan and other deposits in domestic savings institutions or deposits entrusted to banks, the original depositor died, and his legal heir is in China, with the original depositor's death certificate to the notary office where the savings institution is located to apply for inheritance certificate, and the savings institution shall handle the transfer or payment procedures accordingly.
Four, foreign citizens (including stateless persons) who have settled in China, deposit in China's savings institutions, the deposit transfer or withdrawal procedures, like our citizens' deposits, shall be handled in accordance with the above provisions. Foreigners who have concluded bilateral consular agreements with China shall be handled according to the specific provisions of the agreement.
5. If the heir is abroad, he can apply for the certificate of inheritance to the notary office of our country with the death certificate of the original depositor and the certificate of relatives certified by the Chinese embassy or consulate in that country, and the savings institution will handle the transfer or payment procedures of the deposit. If the country where the heir is located is a foreign exchange forbidden country, and it is difficult to handle it according to the above provisions, local overseas Chinese delegations, friendly societies, patriotic overseas Chinese leaders and friendly people can provide proof, and after being certified by the Chinese embassy or consulate in the host country, they can apply to the notary office of our country for inheritance certificate, and the savings institution will handle the transfer or payment procedures accordingly. If the country where the heir is located has not established diplomatic relations with China, it should be treated according to special circumstances. Whether the deposits inherited by heirs living abroad from domestic savings institutions can be remitted abroad shall be handled in accordance with the relevant provisions of China's foreign exchange control regulations.
Six, after the death of the depositor, there is no legal heir and no will, as proved by the local notary office, in accordance with the provisions of the financial sector, the employee deposits of enterprises and institutions owned by the whole people, state organs and mass organizations shall be turned over to the state treasury and nationalized. Employees of enterprises and institutions under collective ownership can be converted into collective ownership. Such deposits turned over to the state treasury or turned into collective ownership shall not be subject to interest.