RMB demand savings RMB demand savings (hereinafter referred to as demand savings) refers to savings deposits in which individuals deposit all their RMB in bank savings institutions, and the savings institutions issue deposit certificates, and individuals can renew or withdraw money at any time, with unlimited deposit and withdrawal amount.
Personal demand deposit accounts are divided into personal settlement accounts and personal savings accounts.
RMB lump-sum time deposit RMB lump-sum time deposit (hereinafter referred to as lump-sum time deposit) refers to a kind of savings deposit in which an individual deposits all his RMB in a bank savings institution, and the savings institution issues a deposit certificate to withdraw the principal and interest at maturity.
Deposit in lump sum, withdrawal in lump sum, fixed deposit from 50 yuan, and unlimited deposit. The deposit term is divided into three months, six months, one year, two years, three years and five years.
A lump-sum time deposit refers to a time deposit in which an individual deposits all his RMB in a bank savings institution, with a fixed monthly deposit amount and a fixed deposit period, and the principal and interest are withdrawn in one lump sum at maturity.
Generally, 5 yuan starts to deposit, and there is no limit to deposit more. The deposit term is divided into one year, three years and five years.
Education savings Education savings refers to a kind of regular savings in which individuals save funds for their children to receive non-compulsory education (full-time senior high schools (technical secondary schools), junior colleges and undergraduate courses, master's degrees and doctoral degrees other than nine-year compulsory education), and deposit them regularly every month to withdraw the principal and interest at maturity. The three stages of study enjoy the tax-free discount of 20 thousand yuan for education savings respectively.
The minimum deposit amount is 50 yuan, and the maximum principal amount is 20,000 yuan. The term of deposit is divided into one year, three years and six years.
Education savings is a kind of special time savings deposit. It has the characteristics of flexible deposit term, total amount control, preferential interest rate, tax exemption and targeted use. Every little makes a mickle, meet the needs of low-and middle-income families to save a small sum of money every month, and solve the non-compulsory education expenses of your children.
Fixed deposit by lump sum and withdrawal refers to a fixed deposit method in which individuals deposit all RMB in the bank at one time, withdraw the principal by stages and pay interest at maturity.
The initial deposit amount is 1000 yuan and the deposit period is divided into one year, three years and five years.
Interest on deposit, interest on deposit and interest on deposit refer to a time deposit in which an individual deposits all RMB in the bank at one time, pays interest in installments, and draws the principal at maturity.
Generally, the deposit starts at 5000 yuan. The deposit term is divided into one year, three years and five years.
All-in-one passbook for local currency and foreign currency refers to the deposit method in which fixed savings deposits of different currencies and grades such as RMB and foreign currency are concentrated in one passbook. Use passbook to collect and handle multi-account and multi-term RMB and foreign currency fixed accounts.
The initial deposit amount of lump-sum fixed deposit is 50 yuan, and the deposit period is divided into three months, six months, one year, two years, three years and five years; The initial deposit amount of foreign currency is not less than the foreign currency equivalent to RMB in 50 yuan, and the deposit period is divided into one month, three months, six months, one year and two years.
All-in-one current account in local currency and foreign currency and all-in-one current account in foreign currency are used to centralize all current accounts in local currency and foreign currency in one passbook, which is convenient for customers to manage and use all their current accounts in local currency and foreign currency. All-in-one passbook for local and foreign currency demand is only a means of centralized management of local and foreign currency demand deposits. Its core essence is demand savings, and its function is equivalent to demand savings.
Personal notice deposit Personal notice deposit refers to a deposit method in which customers do not agree on the deposit period when depositing, and they need to inform the bank in advance to agree on the date and amount of withdrawal before they can withdraw money.
RMB call deposit requires one-time deposit, and withdrawal can be divided into one or more times. No matter how long the actual deposit period is, it can be divided into one-day notice deposit and seven-day notice deposit according to the length of the depositor's notice in advance, and the minimum deposit amount is 50 thousand yuan; The minimum withdrawal amount is 50,000 yuan.
Every time the withdrawal amount is notified, the amount not notified after the notification shall not be lower than the minimum deposit amount.
"Shuanglifeng" and "Shuanglifeng" personal notice deposit are a large short-term wealth management product launched by our bank. After the customer signs the contract, if the account capital is more than 50,000 yuan (inclusive) or the equivalent foreign currency is more than 65,438+0,000 dollars (inclusive), it can be automatically converted into notice deposit, automatically transferred, and the interest is compounded, effectively improving the return rate of large short-term idle funds of customers.
Fixed deposit refers to a kind of savings deposit in which the customer deposits the principal in RMB at one time and pays all the principal and after-tax interest at the time of withdrawal.
Time convenient deposit is limited to RMB. Generally, from 50 yuan, the principal and interest are paid in one lump sum. When the number of deposit days reaches or exceeds the corresponding deposit period (the longest deposit period is one year), the interest rate shall be determined according to a certain proportion of the fixed deposit and withdrawal period interest rate listed on the withdrawal date, and interest shall not be calculated in installments. If the number of deposit days does not reach the minimum deposit period of lump-sum withdrawal, interest will be calculated at the current interest rate listed on the withdrawal date.
Foreign currency current savings Foreign currency current savings refers to a kind of foreign currency savings deposit in which individual residents deposit all their foreign exchange funds in the bank, and the bank issues a passbook as a voucher, and individuals can renew or withdraw money at any time with the passbook, and the deposit and withdrawal amount is unlimited.
The minimum deposit is not less than RMB and the equivalent foreign currency of RMB 20.
Foreign currency time deposit A foreign currency time deposit refers to a kind of savings deposit in which an individual deposits foreign exchange funds in a bank for a specified period of time, and the bank issues a deposit certificate to withdraw the principal and interest in one lump sum at maturity.
The initial deposit amount is not less than the equivalent foreign exchange of RMB and RMB in 50 yuan. The term of foreign currency time deposit is divided into five grades: one month, three months, six months, one year and two years.
Notice deposit of foreign currency savings Notice deposit of foreign currency savings refers to a deposit method in which individuals deposit foreign exchange funds in the bank, and the deposit period is not specified, and the withdrawal needs to be notified in advance, and the date and amount of withdrawal can be agreed.
There is only one kind of seven-day notice deposit in foreign currency deposit, and the minimum deposit amount is 50 thousand yuan equivalent to foreign exchange; The minimum personal withdrawal amount is equivalent to RMB 50,000.
Personal deposit certificate