Branches and business departments at all levels of commercial banks can handle time deposit business.
First, the deposit method of time deposit can be cash deposit, transfer deposit or payment in the same city.
II. The withdrawal methods of time deposits are as follows:
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.
If the time deposit has a password, you can withdraw it at other outlets of your peers.
If you withdraw your deposit in advance, you must deposit it in the bank. If it is fully withdrawn, the deposit interest will be calculated according to the deposit interest rate listed on the withdrawal date.
If only the part is withdrawn in advance, the interest will be calculated and paid according to the deposit rate listed on the withdrawal date, and the interest will be calculated and paid according to the fixed deposit rate listed on the account opening date when the rest is due.
The passbook belongs to the bank. Passbook is a traditional bank withdrawal voucher, which belongs to paper media and is more intuitive, convenient and easy to save. Many people still like to use passbooks, not because of habit, but because they are fairer than bank cards.
Simply put, both banks and depositors agree with this method, because every transaction above is confirmed by the bank manager and myself, which is equivalent to face-to-face transactions. Bank card belongs to electronic money, and the main data and information are kept in the bank. If there is a problem, it will be more troublesome to solve it.