Extended content:
Banks have several ways to save money:
1, time deposit
Refers to the deposit form in which the depositor and the bank agree on the deposit term and withdraw the principal and interest at maturity. The currency of time savings deposits comes from the surplus of urban and rural residents' monetary income and the part accumulated for a long time to buy bulk consumer goods or facilities. This form of savings can provide a stable source of credit funds for banks, and its interest rate is higher than that of current savings, but its liquidity is poor.
(1) lump-sum deposit and withdrawal
Lump sum deposit and withdrawal: refers to personal deposits with agreed term, lump sum deposit and withdrawal, and repayment of principal and interest at one time. RMB is deposited in 50 yuan, and one-time foreign exchange is deposited in foreign exchange. The initial deposit amount is equivalent to RMB 65,438+000. In addition, an ID card must be provided when withdrawing in advance. For withdrawal on behalf of the depositor, it is necessary to provide not only the depositor's ID card, but also the payee's ID card.
This seed stock can only be partially withdrawn once in advance. The interest is calculated according to the interest rate agreed at the time of deposit, and the interest is paid off with the principal. The lump-sum deposit can be automatically transferred on the maturity date, or it can be transferred according to the wishes of customers. The deposit period of RMB is divided into six grades: three months, six months, one year, two years, three years and five years. The term of foreign currency deposits is divided into five grades: one month, three months, six months, one year and two years.
(2) lump sum deposit and withdrawal
Refers to personal deposits with agreed deposit period, fixed monthly deposit amount (determined by you) and one-time withdrawal of principal and interest at maturity. The procedure of opening an account is the same as that of current savings, except that it needs to be renewed every month according to the amount agreed at the time of opening an account. The procedures for depositors to withdraw in advance shall be handled with reference to the relevant procedures for lump-sum withdrawal of time savings deposits.
Generally, the deposit starts at five yuan and is made once a month. If there is any omission in the middle, it should be filled in next month. Interest is calculated according to the actual deposit amount and the actual deposit period. The deposit term is divided into one year, three years and five years. The interest shall be calculated at the zero deposit and lump-sum interest rate listed on the deposit opening date, and the unexpired withdrawal or early withdrawal shall be calculated at the current interest rate listed on the withdrawal date.
(3) lump sum deposit and withdrawal
It refers to a personal deposit with an agreed deposit period when opening an account, in which the principal is deposited in one lump sum and the principal is withdrawn in installments within a fixed period of time. The procedure for opening a deposit account is the same as that for opening a current account. From the deposit of 1000 yuan, the withdrawal period is divided into one month, three months and six months, which is determined by you and the business outlets. Interest is calculated at the zero withdrawal rate listed on the deposit opening date, and will be withdrawn at the time of settlement.