What does it mean to have a non rollover method on the passbook? 30

Exact answer: no rollover is corresponding to "automatic rollover", generally used for fixed deposits, automatic rollover refers to the deposit period according to the first time you deposit the funds, such as 3 months or 6 months, if the deposit is not withdrawn after the maturity of the deposit, it will be automatically renewed according to the deposit term of the original deposit, if the automatic rollover is not agreed, if the deposit is not withdrawn in time after maturity, the overdue time will be calculated and paid according to the current interest rate.

I hope mine can be helpful to you.

What does it mean to have a "non-rollover" method on the passbook? Exact answer: no rollover is corresponding to "automatic rollover", generally used for fixed deposits, automatic rollover refers to the deposit period according to the first time you deposit the funds, such as 3 months or 6 months, if the deposit is not withdrawn after the maturity of the deposit, it will be automatically renewed according to the deposit term of the original deposit, if the automatic rollover is not agreed, if the deposit is not withdrawn in time after maturity, the overdue time will be calculated and paid according to the current interest rate.

If the word rollover is displayed on the transaction details of the passbook, it means that you have a relevant deposit due and automatically rollover.

No matter how the transfer is made, it will be on your account, and there will be no automatic transfer without permission, so you can rest assured.

The transfer-out details should be written in the transfer-out and transfer-in details instead of transfer-out.

Former bank clerk briefly.

Concept: In the operation, the teller can choose different ways to open an account according to customer needs, and transfer the ** deposit to open an account) is generally to open a new account with existing deposits in the account; Cash account opening is generally a situation where a customer comes to open an account with cash.

For example, if you have a fixed deposit account of 50,000 yuan in your account, you need to withdraw the interest deposit after maturity, and the old account in your passbook is cleared after the teller completes the procedures, and you will be given interest and a new deposit of 50,000 yuan will be opened in your passbook. This is called a rollover account opening.

You come to the bank window with 50,000 yuan in cash, ask the teller to open a new account for you, and after counting the banknotes, the teller will hand you the receipt of your bill. This is all about opening a cash account.

The same applies to fixed periods).

Summary: Turning and opening are just the difference in form, and the essence is the same.

Supplement: In addition, the choice between transfer and spot opening also depends on whether the cash stock in the operating system logged in by the teller is sufficient, and whether the amount of transfer receipt and payment in the system is accurately calculated. If the cash in hand is insufficient, the operating system is unable to handle the clearance transaction greater than the inventory amount (such as the inventory of 30,000 yuan, that is, the liquidation transaction of 50,000 yuan deposit), you need to use the transfer method, but the teller can choose the account opening method when opening an account, which depends on the operation habits and system logic.

For example, when the inventory is 30,000 yuan, the use of the transfer of 50,000 yuan of the clearance transaction, the system's cash transfer and payment inventory will produce 50,000 yuan of principal and interest, if you choose to open an account in cash when opening an account, the money will be hoarded in the system, if you do not clear the account through the transfer of the transaction code, the final rollover will make the teller retain the amount of the account does not match.

It is expired, and it is not converted to a fixed term, and it is treated as a current period.

Non-rollover means that the depositor chooses not to rollover the service when opening an account for a domestic and foreign currency individual lump sum deposit and lump sum time savings deposit, and the system will not transfer the funds to the next deposit after the deposit matures, and the interest will be calculated according to the current interest rate of the business department after the deposit period.

Agreed rollover means that when the depositor opens an account for a domestic and foreign currency individual lump sum deposit and lump sum time savings deposit, the depositor agrees to redeposit the deposit period after the maturity of the deposit, and after the deposit matures, the bank will handle the rollover according to the agreed rollover period, and the interest rate of each deposit period shall be in accordance with the agreement.

If you do not agree to roll over, the current interest rate will start to be calculated after the expiration of the term, and the agreed rollover is that the current deposit will be automatically rolled over according to the original deposit period after the expiration of the term.

Through Ping An Bank.

Time deposits are processed at the counter of the branches.

There are three ways to withdraw at maturity: automatic rollover of principal and interest at maturity: automatic rollover of principal at maturity, no rollover of interest: neither principal and interest at maturity will be automatically rolled.

If the fixed deposit is not automatically rolled over, the money will not be automatically transferred back to the bank card after maturity, but the principal and interest will continue to accrue at the current interest rate until the customer has withdrawn it.

Fixed deposit does not roll over means that the deposit will be automatically converted into a current deposit when it matures, which can be freely withdrawn by customers, and if you want to continue to pay for a fixed deposit, you need to re-apply for the fixed deposit business. If the customer applies for a fixed deposit, that is, after the deposit matures, the bank will automatically roll over to the next fixed term and continue to enjoy the interest.

By default, time deposits are automatically rolled, if the same period is re-deposited after the expiration of the term, the term interest is calculated, if the same period is not reached after the maturity, the current interest is calculated, for example: 3 months of time deposit, 3 months after the expiration of the 3 months did not withdraw, but deposited for another 3 months, at this time, the interest should be 2 times 3 months of fixed interest, but if the maturity is also not immediately withdrawn, but after less than 3 months of withdrawal, this is the interest is 3 months of fixed interest + overdue days of current interest.

Regular automatic rollover means that after the maturity of the customer's deposit, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically transfer the principal and interest of the mature deposit according to the same deposit period, without any restriction on the number of times, and the interest during the renewal period will be calculated according to the interest rate of the previous maturity reserve.

The automatic rollover on the bank's fixed deposit passbook means that after the customer's deposit matures, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically roll over the principal and interest of the mature deposit according to the same deposit period, without any restriction on the number of times, and the interest during the renewal period will be calculated according to the interest rate of the previous maturity date. If the customer requests to withdraw the deposit after the renewal period, the interest of the deposit will be calculated according to the current interest rate on the date of withdrawal during the renewal period.

The difference between dumping and not dumping is:

1.The services enjoyed are different.

Rollover means that after the maturity of the fixed deposit, the bank will automatically transfer the money to the next fixed deposit, and the user can enjoy the income of the fixed deposit; Non-rollover means that after the maturity of the fixed deposit, the bank will transfer the money to the user's current deposit account, and no longer enjoy the income of the fixed deposit;

2.The interest enjoyed is different.

After the rollover at maturity, the interest will be calculated according to the regular interest rate on the day of rollover; If the funds are not rolled, interest will be calculated according to the current deposit rate.

1. Regular automatic rollover.

1.Regular automatic rollover means that after the maturity of the customer's deposit, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically transfer the principal and interest of the mature deposit according to the same deposit period, without any limit on the number of times, and the interest on the renewal period will be calculated according to the interest rate of the previous maturity date.

2.Pros and cons:

Save time and ultimately make a higher profit than the current account.

When the certificate of deposit is issued, the amount reflected is inconsistent with the amount of the original certificate of deposit. Some depositors often encounter this situation, the customer takes out the fixed deposit certificate issued in the previous years, and asks to open a certificate of deposit, but the balance of the certificate of deposit is not the amount when it was opened, but the accumulation of principal and interest in the past few years, and the customer asks the bank to issue a certificate of deposit according to the face value of the original certificate of deposit, but the system cannot recognize the original amount, and there is a little problem.

2. No transfer on a regular basis.

It means that the deposit will be automatically converted into a current account at maturity, which can be freely withdrawn by customers, and if they want to continue to be fixed, they need to re-apply for the fixed deposit business. If the customer applies for a fixed deposit, that is, after the deposit expires, the bank will automatically transfer it to the next fixed term and continue to enjoy the interest.

3. The automatic rollover of fixed deposits may hurt depositors:

1.According to the existing technical conditions, commercial banks can provide automatic deposit transfer services. However, if the deposit contract does not clearly stipulate this, the commercial bank may divide all the deposits according to the interest rate adjustment and automatically transfer them, thereby harming the interests of some depositors.

2.On the latter hand, the processing of automatic renewal, the actual maturity of the deposit exceeds the deposit deposit, such as the depositor's demand after the maturity of the deposit, must be deposited in advance, part of the loss interest income may be higher according to the current loss, according to the pre-set interest rate of this part of the loss interest income may be higher than the processing of automatic renewal business interest.

If interest rates fall, there will also be inequality problems, and banks will automatically re-deposit with less money to depositors. Therefore, it is unreasonable for commercial banks to implement automatic transfer of fixed deposits without exception.

Fourth, the interest rate of bank fixed deposits is higher than that of ordinary deposits, but the following points should be paid attention to when choosing a fixed deposit:

1.The longer the deposit period, the higher the interest rate, but the longer the closing period of the deposit.

2.Fixed deposits can be withdrawn in advance, but the bank will only pay interest at the current interest rate.

3.The interest rate of fixed deposits varies from bank to bank for the same period.

4.Fixed deposits that do not have automatic rollover will be converted to current deposits upon maturity.

CCB's fixed deposit passbook is generally automatically rolled over by default, but CCB's fixed deposit passbook generally does not indicate whether it is automatically rolled, and it will be indicated on the receipt of the deposit period.

Automatic rollover is a way for banks to turn over funds. After the maturity of the customer's deposit, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically transfer the principal and interest of the mature deposit at the same time according to the same deposit period, without any restriction on the number of times, and the interest on the renewal period will be calculated according to the interest rate of the previous maturity date.

That is, after your fixed deposit expires, you do not need to withdraw the fixed deposit, and the system will automatically help you transfer another fixed deposit according to the interest rate of the maturity date of the deposit.

Good evening, the meaning of the transfer and transfer on the passbook is as follows: about ** about transfer refers to the act of transferring a certain amount of assets from one market to another.

A passbook, or deposit book, commonly known as a red book, is a book used to draft and record bank transactions in a deposit account. The size of the cheque book varies from country to country and banking institution, and can be the size of a cheque book or the size of a passport.