The certificate of deposit is lost, and the money is gone?????

Could this be related to ICBC's upgrade system in the previous paragraph? The bank employee is right, if you do have such a deposit certificate, the computer system will keep a record, whether it has been taken or not! Just look at your ID number to find out.

However, the reply given by the bank after inquiry is that there is no such account. That's certainly not the case! (Excluding the work mistakes of the staff) because if it is deposited in your name and taken away by others (including your parents), the identity documents of the depositor and the withdrawer will be presented and recorded on the premise of knowing the password!!

Well, you have to think about it! At that time, whether the money was handled at the same time, whether it was deposited in your name, whether it was with an ID card or a user account book. Or maybe your money was deposited in another bank at the time, and you credited it with ICBC!

It's also possible! There is also a possibility that the account information you provide is mostly inconsistent with the results of the bank's inquiry, so that the bank staff can not be sure that it is your deposit, and will not tell you (this is reasonable, because there are many Chinese people with the same name and surname, if the information you provide is not correct, the bank will not tell you, which is also the principle of customer confidentiality)!! You must remember the above questions clearly!!

Hope it helps!!

You're worse off than me, but the result is the same. The old man is a 01-year-old deposit certificate, the deposit receipt is clear and complete, and when he went to the Bank of China to withdraw money, the bank said that there was no such record in the system and needed to be checked. We had two certificates of deposit, one from '98, one from '01, and the '98 records were still there, so we took them.

It's strange why there is no record in 01, the bank has reported the situation to the head office, we are waiting for the results, and the results will be shared as soon as possible.

If you lose your fixed deposit certificate, you can withdraw your deposit, but you need to bring a valid personal ID to handle it. As soon as you find that the fixed deposit certificate is lost, you should bring your ID card to the original bank to go through the loss reporting procedures to ensure the safety of the deposit.

Extended information: 1. How to report the loss of fixed deposit receipts:

1. Bring your ID card to the original bank to go through the loss reporting procedures;

2. Explain the loss of the deposit certificate to the bank;

3. If you don't remember the account number, after the bank staff verifies your identity, provide the amount or other information of the deposit receipt, and the bank will help you check the account number, and then go through the procedures for reporting the loss of the deposit receipt;

4. Generally, after 7 days, the depositor can get back the deposit receipt that has been reprinted at the bank, and the lost deposit receipt has been invalidated on the day of the loss report;

5. After reporting the loss and returning the deposit receipt, the password should be the original password, and it can be withdrawn after expiration.

2. Can I reissue a lost deposit certificate?

Users only need to go to the counter of the bank branch with their valid ID card to report the loss of the deposit receipt, and then they can apply for a new deposit receipt. Under normal circumstances, the certificate of deposit will officially become invalid on the day of the loss report, and the password of the new certificate of deposit will remain unchanged.

3. How many days does it take to report the loss of bank certificates of deposit?

1. The loss report and reissuance of the fixed deposit certificate can generally be handled immediately, but you must know the password of the deposit receipt before handling it, and you also need to bring your ID card, and the information is correct and the replacement is very fast.

2. If your deposit receipt does not have a password, it must be handled at the outlet where the account is opened, and cannot go to other outlets in the same industry, and the deposit receipt password is forgotten, which can be reissued but more troublesome, and the first day of the loss report is not counted, and it can be reprinted after 7 days.

4. Can I withdraw money on the same day when the certificate of deposit is lost?

If the loss is reported on the same day, it will take effect on the same day, and you can get a new certificate of deposit on the same day, you can withdraw the money, if not, you need to come according to the actual situation of the bank.

If the deposit receipt is lost, you must go to the business office of the relevant bank as soon as possible to go through the formalities of reporting the loss of the deposit receipt, bring your valid documents, and provide the account information you want to report the loss, such as the account name, the type of deposit, the balance, etc.; Fill in the loss report application form and fill in personal information; Wait for the bank's review to take effect to complete the loss report.

It is best to provide the bank with information such as the deposit slip number, deposit date, etc., and the bank will find your deposit information. You can take your ID card to another window of the bank and try again, and the teller may be able to check your deposit history.

Extended Materials. A certificate of deposit is a kind of credit certificate that a bank relies on to handle savings business. It is generally used for one-time deposit and withdrawal, and fixed and live two-pence savings. Banks are financially responsible for depositors' deposits after issuing certificates of deposit and passbooks.

China's first batch of large-denomination certificates of deposit was issued on June 15, 2015, and the first batch of issuers includes nine banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Shanghai Pudong Development Bank, China CITIC Bank, China Merchants Bank and Industrial Bank, all of which are core members of the self-discipline mechanism for market interest rate pricing. At present, it has been expanded to many banks.

Taking China Construction Bank as an example, the interest rate of large-denomination certificates of deposit is 40% higher than the benchmark interest rate, and the product period is 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, and 3 years, and the interest rates are85%。From the perspective of the starting amount, the starting amount of large-amount certificates of deposit for individuals is 200,000 yuan, which is increased by 10,000 yuan, and the interest is calculated from the date of purchase; The starting amount of large-value certificates of deposit for enterprises is 10 million yuan, which is increased by 1 million yuan.

Among them, because the interest rate of 3-year large-denomination certificates of deposit is higher and can be withdrawn in advance, it has a higher actual income than the three varieties of 1-year, 18-month and 2-year certificates, and it is more cost-effective to choose 3-year when depositing large-denomination certificates of deposit for more than 1 year.

Summary. If the loss report takes effect on the same day and a new certificate of deposit is available, it can be picked up on the same day.

Hello, I am glad to answer for you: can I still withdraw my deposit if I lose my deposit certificate?

Hello, I am glad to answer for you: can I still withdraw my deposit if I lose my deposit certificate?

Hello, I am glad to answer for you: No, the deposit certificate cannot be withdrawn if you lose it. Once the certificate of deposit is lost, then the certificate of deposit is lost.

If you want to withdraw the deposit, you must go to the bank counter with the identity hall to reapply for a new deposit certificate before you can withdraw the deposit.

If you bear the loss, you must first report the loss and reissue it before you can take out the money.

If the certificate of deposit is lost, it must be reported and reissued before the money can be withdrawn.

It should be noted that after discovering the loss of the deposit receipt, you need to bring your ID card to the original bank to go through the loss reporting procedures in time.

If the loss report takes effect on the same day and a new certificate of deposit is available, it can be picked up on the same day.

Temporary loss report is valid for 7 days (unlimited temporary loss report can be made), if you can find the deposit receipt, you do not need to reissue, if you can't find the deposit receipt, then the user can bring your ID card to the bank branch to report the loss and reissue the deposit receipt.

Once you find that you cannot find the deposit receipt, regardless of whether the deposit receipt is due or not, you should immediately present your ID card or work permit and other legal documents, and provide the type, account name, account number, amount, deposit date and other elements of the fixed deposit receipt, and apply to the original deposit bank to report the loss. Deposits can be withdrawn after one week.

According to the bank's regulations on savings deposits, only the depositor himself can report the loss of the certificate of deposit, and no other person has the right to report the loss. If you forget to bring your documents or bring them incorrectly, the bank will not be able to report the loss. At the same time, care should be taken to provide the exact elements of a certificate of deposit.

If the elements are complete and accurate, the bank will quickly find the back card, so as to control the deposit from being fraudulently claimed. If the elements are incomplete or incorrect, the bank will not be able to find the card you want in a large number of cards, and the deposit will not be effectively controlled. If a certificate of deposit is lost, especially if it is a certificate of deposit that has expired, it is necessary to rush to the bank to report the loss before the offender, so as not only to protect your deposit from damage, but also to do your best to combat criminal activities.

Once it is discovered that the time deposit certificate has been stolen or lost, regardless of whether the time deposit certificate is due or not, the applicant should immediately apply to the original deposit bank for reporting the loss with his/her ID card or work permit or other legal documents.

Procedures for reporting loss:

After verification by the bank, if the deposit to be reported as lost has not been withdrawn, the depositor will be required to fill out an "Application Form for Loss Reporting and Stopping Payment of Savings Deposit Receipt";

Fill in truthfully, pay a handling fee of 10 yuan, and obtain the "application" receipt stamped by the bank, and the loss reporting procedures will be completed;

7 days after reporting the loss, go through the procedures for replacing the new deposit receipt or withdrawing cash with the receipt stamped by the bank and the original certificate;

At this time, it is necessary to sign or seal the "Application for Loss Report and Stop Payment" to indicate that the new deposit receipt has been obtained or the cash has been collected, and then return the "receipt" to the bank.

If the certificate of deposit expires, then the investor can withdraw cash (more than 50,000 yuan to make an appointment to withdraw), or continue to redeposit, if the certificate of deposit is not due, then the user can report the loss and reissue the certificate of deposit, or you can withdraw the deposit in advance, and the part withdrawn in advance is calculated according to the current interest rate, and the current current interest rate is about .

If the deposit receipt is lost and picked up by others, it is generally impossible to withdraw, because the deposit receipt has a withdrawal password, and you can't withdraw money if you don't know the password of Huidongdao, but it should be noted that the deposit receipt can be taken on behalf of the agent, and the agent can take out the ID card and deposit receipt with his ID card and deposit receipt at the bank outlet, and he also needs a withdrawal password.

If the general user loses the deposit certificate, he can first call the bank customer service ** to report the loss, and then go to the bank to report the loss and reissue, the bank can handle it during working hours, and the bank working hours: Monday to Friday Yechang 8:30 a.m. - 17:0 p.m

00, Songbi Pap implements a shift system on weekends, and the specific working hours are subject to the bank.

If you lose your certificate of deposit, will the bank not recognize it?

The bank has the bottom link, and I didn't take the agreement to withdraw the deposit agreement they inquired about.

If you lose your bank deposit certificate, your mother should bring your bank card and ID card to the bank where you handled the deposit certificate to report the loss. If there are any other reasons in the middle of the term, please consult with the bank.

Of course, you can, you can go with your ID card to reissue it.

Bring your and your mother's ID cards, household registration booklets, and go to the bank to report the loss, don't worry.

It depends on whose card it is. After all, there will be a person's name on this deposit certificate. Then if you lose the deposit slip, he will give you a replacement one.

Whose bank card is deposited, whose ID card is used to go to the deposit bank to report the loss, just get a new one.