As long as the ID card is not lost or lent to others, it is almost impossible for others to withdraw the funds in the certificate of deposit at will!

Bank deposit itself is a very low-risk financial product. From the perspective of investment safety, it guarantees the principal and interest. As long as you have bank deposit, you are now taking real-name registration system, and all operations will be recorded. As long as the bank does not fail, you will be paid in full according to the principal and interest.

Even if the bank closes down, China now implements the deposit insurance fund system. When you deposit, the bank has already paid the deposit insurance for you. If the bank closes down, the deposit insurance will give priority to paying you 500,000 yuan of principal and interest as required, and the part exceeding 500,000 yuan will be settled in proportion according to the bank bankruptcy liquidation.

Time deposit certificate is a very safe deposit method in itself.

There are three main media for handling deposit business in a bank: certificate of deposit, passbook and bank card. The certificate of deposit has always been considered as the safest deposit method.

First of all, the withdrawal of certificates of deposit can only be handled at bank outlets, not through ATM machines, mobile banking and online banking. This makes the liquidity of certificates of deposit worse, and relatively safer.

Secondly, the bank's time deposit certificate has anti-counterfeiting marks, seals and codes, which is extremely difficult to forge, and the possibility of being "impersonated" by fake deposit certificates is extremely low.

Finally, the depositor needs to carry the ID card+the original certificate of deposit+the password (if any) in order to successfully withdraw it! Otherwise, even if you know the password, it is difficult to withdraw it!