Q: 1. Time deposits are also called "certificates of deposit". A deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. If depositors need funds before maturity, some certificates of deposit can be sold in the market; Some certificates of deposit cannot be transferred. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.
Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit for a fixed account is 50 yuan, and there is no deposit limit. The storage period is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.
2. Interest shall be calculated and paid at the deposit interest rate on the day when the deposit certificate is opened, at the current deposit interest rate on the day of withdrawal for early withdrawal, and at the deposit interest rate on the day of withdrawal for overdue withdrawal. I can apply for a small pledge loan with my time deposit certificate.
For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the identity certificate of the depositor in advance; If the withdrawal is made on behalf of the depositor, the payee must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal. The payee must also sign the name of the payee on the payment voucher.
3. If the customer has a large monetary income and needs to withdraw it by stages within a certain period of time, he can choose the "lump sum deposit and withdrawal" method as his own savings deposit method. The "lump sum deposit and withdrawal" business is a fixed deposit with a pre-agreed term, lump sum deposit and withdrawal, withdrawal of principal by installments and withdrawal of interest at maturity.
Bank deposit inquiry method is as follows.
1. Check the balance on the ATM. 2. Open telephone banking, and check the balance or details by telephone. 3. Open online banking. Query balance or details. 4. Check at the bank counter. V. Processing steps for loss reporting of bank time deposit certificates 1. The owner of the deposit certificate (i.e. the head of the household) will check the deposit number at the account opening branch with his identity certificate; 2. According to the query results, after verification, apply for loss reporting of certificates of deposit. 3. If there is no abnormality, get a new deposit certificate at the account opening branch after 7 days.
Special note: 1. All business must be handled by the head of household with ID card. 2, more money and less money have nothing to do with the process, it's all the same. 3. When you say two people's ID cards, you mean the head of the household and the agent. When depositing and withdrawing money, the agent can handle it with the identity documents of two people. But this is not necessary. The loss reporting business must be handled by myself with a valid certificate, and the agent may not handle it. This is a rule to guard against risks.