Term of bank deposit: refers to time deposit. Compared with the demand period, the deposit period is usually called the death period. Time deposit refers to a deposit in which the bank and the depositor agree on the term and interest rate in advance and withdraw the principal and interest after maturity. Time deposits are used to settle time deposit accounts or withdraw cash. If customers need funds temporarily, they can withdraw them in advance or in part.
：
1. RMB time deposits are usually divided into three interest rates: three months, six months and one year; Foreign exchange time deposits of foreign-funded enterprises in China are divided into five grades: one month, three months, six months, one year and two years; Foreign exchange time deposits of foreign-invested enterprises and domestic and foreign financial institutions are divided into six grades: seven-day notice, one month, three months, six months, one year and two years. According to Article 26 of the Regulations on Savings Management, if the interest rate is adjusted during the period from 1993 to March 1 fixed deposit, the interest shall be calculated and paid according to the corresponding fixed deposit interest rate announced on the date of deposit opening. Time savings deposits include one-time deposits, one-time withdrawals, small deposits, principal and interest withdrawals, etc. Interest shall be calculated according to the above provisions. That is to say, in case of interest rate adjustment during the original deposit period, regardless of increase or decrease, interest shall be calculated and paid according to the interest rate set on the invoice date of the certificate of deposit, and interest shall not be calculated in installments; The interest rates of all early withdrawals and partial early withdrawals are calculated according to the deposit interest rate announced on the withdrawal date. If it is not withdrawn in advance, interest will still be calculated and paid according to the interest rate stipulated in the original deposit certificate.
2. The withdrawal method of time deposit is to settle the principal and interest in one lump sum at the specified interest rate. For full withdrawal in advance, the bank will pay interest according to the deposit interest rate listed on the withdrawal date. For the early withdrawal part, if the remaining deposit amount is not lower than the initial deposit amount, the interest on the withdrawal part shall be calculated and paid according to the deposit interest rate announced on the date of withdrawal, and the remaining part shall be executed according to the original interest rate and term; If the remaining deposit amount is lower than the minimum deposit amount, interest shall be calculated and paid according to the deposit interest rate announced on the date of withdrawal, and the deposit and withdrawal shall be settled. It refers to a deposit with agreed term, one-time maturity and one-time maturity.
3. Deposit in 50 yuan is unlimited. The deposit term is divided into three months, six months, one year, two years, three years and five years. The procedure of opening a deposit account is the same as that of opening a current account, but the withdrawal voucher given by the bank to the depositor is a deposit voucher. In addition, depositors must provide identity documents when withdrawing money in advance. For withdrawal on behalf of the depositor, not only the identity certificate of the depositor, but also the identity certificate of the withdrawal agent should be provided. Stored seeds can only be partially taken out one time in advance. Interest is calculated at the agreed interest rate and settled by principal. Please refer to the interest rate table for specific interest rate standards. Lump sum deposit: refers to a deposit with an agreed deposit period, a fixed monthly deposit amount and withdrawal of principal and interest at maturity. Generally speaking, I deposit it in 5 yuan every month.