1. Once it is supervised by the bank, it will have a great impact on us. But don't worry, there is a solution at this time. We can call the bank's customer service hotline, or go to the bank counter to find out the reasons for being monitored and find a solution.
2. If the bank card is supervised, there will be certain restrictions on the change, transfer and access of the amount in the card.
Deposit type:
1. Time deposit
It refers to the deposit that the depositor can only withdraw money on the specified date after the deposit or must notify the bank a few days before the withdrawal. The term can range from 3 months to 5 years, 10 years or longer. Generally speaking, the longer the deposit term, the higher the interest rate. Traditional time deposits include not only certificates of deposit, but also passbooks, which are also called passbook time deposits. However, the basic interest-bearing days are 90 days, and no interest will be accrued after 90 days.
2. Demand deposit
It refers to a kind of bank deposit that depositors can access and transfer money at any time without prior notice. Its forms include checking account, certified check, promissory note, traveler's check and letter of credit. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks. In view of the fact that demand deposits not only have the functions of monetary payment and circulation means, but also have strong derivative ability, commercial banks must take demand deposits as the focus of their operations at any time. However, due to frequent deposit and withdrawal, complicated procedures and high cost, commercial banks in western countries generally do not pay interest, and sometimes even charge a certain handling fee.
3. Notice deposit
Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal. No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors. One-day notice deposit must inform the agreed withdrawal amount one day in advance, and seven-day notice deposit must inform the agreed withdrawal amount seven days in advance. The minimum initial deposit, minimum withdrawal and minimum retention amount of RMB call deposit are all 50,000 yuan, and the minimum initial deposit amount of foreign currency is equivalent to 1 1,000 US dollars (banks can consult local banks for the initial deposit amount).