I can't stand this situation.
1, non-personal deposit slip. At present, bank deposits are registered in real-name registration system. If you need to report the loss of a deposit slip, you must handle it yourself with your ID card. No one else can do it for them. Therefore, if the non-personal deposit slip is lost, it cannot be taken.
2. It shall not exceed the designated business scope. Different from bank cards and deposits, certificates of deposit have a prescribed scope of handling: First, universal deposit and withdrawal can be handled by peers within the prescribed scope, such as withdrawal in the province. Second, the certificate of deposit is not available, and the replacement of the certificate of deposit can only be handled in the original deposit business hall.
Circumstances in which money can be withdrawn
1, I lost my paper certificate of deposit. You can report the loss temporarily, but I can't find it. I take my ID card to the business hall of the bank to apply for a formal loss report, and then I can withdraw money by reissue it.
2. Special circumstances. If the depositor dies or is legally missing. The corresponding deposit heirs can inherit the property without paper deposit certificates and passwords. The legal heir goes through the corresponding judicial inheritance and inquiry procedures and goes to the bank to inquire about the corresponding funds.
Report the loss and reissue it
Generally speaking, if the time deposit certificate/passbook/bank card is lost, the depositor only needs to bring his ID card to the bank outlet to report the loss and reissue it (the bank will reissue a deposit certificate/passbook/bank card for you), and the money in the original account will be transferred to the new deposit certificate/passbook/bank card, and then the withdrawal can be made directly.
Matters needing attention in handling loss reporting procedures
You must report the loss at the counter in person. If it is someone else's time passbook, even if you have the other person's ID card and password. Even if you are a relative, you can't bring your household registration book. You must go to the counter in person.
What if someone can't come? This requires consultation with the bank. If it is because the old people at home have inconvenient legs and feet, or are in hospital. Then you need to negotiate with the bank, which will provide on-site service. But at this time, the bank needs to arrange that it will come to the door within 1-3 days. What if a family member dies? In this case, it belongs to inheritance, so you can't even consider withdrawing money. Family members have to go to the notary office for notarization, and then they can take the money out of the bank with the notarial certificate.
In addition, the notary office is charged for notarization. 200 yuan handling fee will be charged for the amount below10,000. 2% handling fee will be charged for the amount exceeding10,000.
It doesn't matter if your certificate of deposit is lost, as long as your password is not leaked and your ID card is not lost, others can't take it away (the unexpired time deposit certificate is withdrawn in advance, and generally you must bring the depositor's ID card; If the withdrawal is confidential, it must be made by the depositor himself. If you need to report the loss and reissue it, you can withdraw the loan.