2. The deposit method of time deposit can be cash deposit, transfer deposit or payment in the same city.
3. There are the following withdrawal methods for time deposits: full withdrawal at maturity, and one-time settlement of principal and interest at the specified interest rate; Full withdrawal in advance, the bank will pay interest according to the deposit interest rate listed on the withdrawal date; For the part withdrawn in advance, if the remaining time deposits are not lower than the minimum deposit amount, the interest shall be calculated and paid according to the deposit interest rate listed on the withdrawal date, and the remaining deposits 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.
4. 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.
5. During the deposit period, RMB unit time deposit will pay interest according to the time deposit rate announced on the deposit date. In case of interest rate adjustment, interest will not be calculated by installments.