Bank cards and passbooks, current accounts and fixed interest rates are the same, and there will be corresponding interest. Demand deposits pay interest quarterly, and the 20th day at the end of each quarter is the interest settlement date, and the interest is transferred the next day, that is, the account transferred on the 20th day at the end of each quarter.
Calculation method of interest formula: interest = accumulated accrued days * daily interest rate = annual interest rate *360.
A current all-in-one account is a complete current deposit account. You only need a passbook to handle current savings deposits in RMB and various foreign currencies at the same time. The deposit status is clear at a glance, and you can easily experience a variety of convenient services.
/kloc-China citizens under the age of 0/6 should be represented by guardians to open personal bank accounts, and issue valid identity documents of guardians and resident identity cards or household registration books of account users (if the above documents cannot effectively prove the guardianship relationship between guardians and account users, valid guardianship certificates should be issued at the same time).
RMB demand deposit accounts are divided into individual RMB demand savings deposit accounts and individual RMB settlement accounts.
Deposit and withdrawal of RMB and various foreign currencies and deposit and withdrawal business.
Foreign currencies include: US dollars, euros, Japanese yen, Hong Kong dollars, British pounds, Canadian dollars, Australian dollars, Swiss francs, Singapore dollars and Macao dollars (only in Guangdong Province);
Transfer between myself and others, domestic and overseas remittance, automatic entry, and reserved password before deposit and withdrawal.
Settlement function (personal settlement account only) 1. Handling and using debit cards, 2. Open electronic channel services such as telephone banking and online banking. 3. Handle investment and wealth management services such as foreign exchange treasure, funds, national debt, insurance, bank-securities transfer and bank-securities link. Pay wages, endowment insurance, 5. Public telephone, mobile phone, water, electricity, gas.
China residents, Hong Kong, Macao and Taiwan residents, foreigners living inside and outside China, and overseas Chinese can open current savings accounts in China Bank with valid identity documents recognized by real-name registration system, mainly using current passbooks and credit cards (UnionPay cards, etc.). ).
Personal demand deposits do not bear interest. According to the new regulations, when the interest rate of unit demand deposits is adjusted during the interest-bearing period, the interest will be calculated by stages.
In the rising stage of interest rate, interest payment by installments is beneficial to time deposits and unfavorable to demand deposits. However, the new policy only stipulates that unit demand deposits will bear interest by installments.
Personal demand deposits bear interest at the current interest rate listed on the settlement date, not at the current interest rate on the deposit date-this is the same as the current policy. That is to say, if the deposit interest rate is raised to 1% after half a year, individual demand deposits will bear interest at 1%, while company demand deposits will bear interest at 0.72% during the period before adjustment and at 1% after adjustment.
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