Can I withdraw my fixed deposit at any time after it expires?

If the fixed deposit is not withdrawn in time when it expires, it will be automatically transferred to the next fixed deposit, and if it is withdrawn again after the deadline, the next deposit will be converted into a current deposit.

Problems after the maturity of the fixed deposit: if the automatic rollover is agreed, it is considered a fixed term, and if it is not agreed, it is a current term. When a fixed deposit matures, the depositor must bring the passbook (or deposit slip) to the bank counter for cashing or rollover.

At present, banks generally automatically roll over the time deposits, and when the customer's lump sum deposit and lump sum time deposit matures, the bank will automatically convert the original deposit principal and after-tax interest into the same type and grade time deposit at the maturity interest rate after calculating the interest and withholding the interest tax on the deposit that the customer has not withdrawn.

If the ID card expires, if it is a short-term period (within 1 month), you can apply for a fixed deposit::

Because the handling of the deposit is not as strict as the handling of the bank card, as long as the identity expires soon, it can be handled.

However, if it is a deposit, the expired ID card cannot be withdrawn. Because the identity card that has passed it is of the same nature as invalidation.

First of all, it depends on whether you deposit and do not require automatic rollover, you can find out whether there are these words on your deposit receipt, and some banks call it about transfer.

For example, if you deposited a fixed 1-year certificate of deposit for 1 year and 8 months in January last year, you will get a fixed interest rate of 350 in one year, and the next 8 months will be considered as a current period, which is dozens of dollars.

If you withdraw money from an unexpired certificate of deposit, you must hold a valid certificate of deposit, and if your certificate of deposit is transferred, you will have an ID card if you start the second cycle, and you will not need it.

Hope to help you ask for satisfactory answers, I will serve you wholeheartedly.

If it is a fixed deposit that does not have an automatic rollover, it is best to take it out and re-deposit it. There is no automatic rollover, which means that the bank will not automatically renew the deposit after the maturity of the fixed deposit, and the money in the fixed deposit will be transferred to the current account.

Although the money is still in the bank account and will not disappear, the interest rate between demand deposits and time deposits is not only a little different, but at least a few times different, and the highest can even be more than ten times different.

Therefore, if there is no automatic rollover, it is best to take it out and re-deposit it after the deposit matures, unless it is intended to survive.

If the automatic rollover is handled, the deposit can be withdrawn and redeposited after maturity, or it can not be withdrawn. If you do not withdraw the fixed deposit after the expiration date, the bank will renew it for another period with interest, so it doesn't matter if you don't take it out, you can still continue to receive regular interest. However, sometimes it may be better to take it out and save it again than not to take it at all.

First of all, if you want to save a fixed term for a different period, it is definitely better to take it out and save it again. Although the deposit with automatic rollover can be automatically renewed, the renewal method is relatively rigid and can only be the same as the previous period. For example, if the previous deposit is for one year, the automatic renewal can only be for one year.

Sometimes, after our deposit expires, we may no longer want to deposit for the same period. For example, if you have saved a 1-year term before, the interest rate of the 1-year term is too low, and you want to save a 3-year or 5-year term. At this time, after the fixed deposit matures, you have to take it out and deposit it again, otherwise the bank will not meet your need to save money.

Under normal circumstances, the deposit period is automatically rolled, and the automatic rollover means that after expiration, it will automatically continue to deposit a new fixed period according to the original period, but if it is not automatically rolled over when it is opened, then it is not, it will automatically become a demand deposit after expiration, and if you still want to deposit a fixed term, you need to re-open it.

You can apply for regular activity through the following channels**

2.Online Banking: Please log in to your personal online banking, click "Deposit Fixed Deposit", and use "I want to deposit fixed deposit" and "Withdraw" to perform fixed and current transfer operations.

3.Self-service banking: Please bring your bank card to the self-service terminal of ABC to handle the transfer of fixed activity.

4.Counter: Please bring your valid ID card and bank card to the Agricultural Bank of China branch in the city where the card is issued to handle the fixed transfer.

Fixed deposits are automatically rolled over at maturity and can be withdrawn at any time.

1. It can be taken out at any time.

When the fixed deposit matures, it can be withdrawn after automatic rollover without any handling fee. However, interest will be accrued on the current account of the expired part. If the second deposit period matures, interest will be calculated on a regular basis.

If the fixed deposit is not withdrawn at maturity, the bank will automatically roll over the deposit by default, that is, it will deposit another fixed deposit according to the original deposit period. On the maturity date, the bank will automatically settle the interest and merge the earned interest and the original amount into a new principal, which will be transferred to the next deposit period. At the time of rollover, the interest of the next deposit period will be calculated according to the deposit interest rate of the same period listed by the bank on the same day.

Second, the interest rate is not necessarily.

After the rollover, it is equivalent to a new fixed deposit with the same deposit period, but the interest rate is not the previous interest rate, and it will be implemented according to the latest listed interest rate of the bank. For example, the previous deposit period was three years and the interest rate was 4%; After expiration, the bank will automatically roll over, and its term is still three years, but the interest rate is only or other). It's all normal!

Extended information: 1. Bank deposits.

Bank deposits are money deposited in banks and are a component of monetary funds. According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank to handle deposits, withdrawals and transfer settlements, and the monetary funds of the enterprise, except for a small amount of cash that can be kept within the specified limit, must be deposited in the bank, and the bank deposits of the enterprise mainly include: settlement account deposits, letter of credit deposits, foreign city deposits, etc.

The cashier is responsible for the collection and disbursement of bank deposits. For each bank deposit income and expenditure business, the accounting voucher must be prepared according to the original voucher that has been audited and correct.

2. The concept of preparedness.

Bank deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts. The basic deposit account refers to the account used by the enterprise for daily transfer settlement and cash receipt and payment. The general deposit account refers to the bank loan and transfer of the enterprise in addition to the basic deposit account.

Fixed deposits can be withdrawn on the maturity date. Fixed deposits can be withdrawn as soon as they mature, and there is no need to withdraw them after the maturity date.

On the maturity date, customers can choose to bring their ID cards and deposit certificates to bank outlets for withdrawal, or they can choose to withdraw directly on online banking and mobile banking.

However, if you withdraw after the maturity date, the interest on the funds will be calculated according to the current interest rate in the days after the maturity date.

Fixed deposits can also be withdrawn in advance, but if you withdraw in advance, the interest on the part of the funds withdrawn will also be calculated according to the current interest rate.

Further information: Time deposit refers to a form of savings in which the depositor deposits cash into a fixed savings account opened by a banking institution, agrees in advance to save for a fixed period of time, and receives a return at an interest higher than that of the current deposit, and can receive the principal and interest after the maturity.

A fixed deposit is the money or currency that the depositor temporarily transfers the right to use to the bank under the condition that the depositor retains ownership, and is the most important source of credit funds for the bank.

If the depositor withdraws the fixed deposit before the agreed savings period, the bank will usually handle the transaction in the form of a demand deposit. Depositors are often required to notify the bank one day in advance to request an appointment for withdrawal before they need to withdraw a large amount of deposit, in case the bank has enough cash to make the payment.

The interest rate on bank deposits is not adjusted every year, but is made by the state at any time according to the operating conditions of the economy, and the interest rates on fixed deposits of all banks in China, such as the Industrial and Commercial Bank of China, the Construction Bank, the Bank of China, the Agricultural Bank of China, and the Bank of Communications, are the same, and this is uniformly set by the People's Bank of China.

Interest rates are divided into simple interest and compound interest rates:

Interest i=p*i*n, where i represents interest, i represents interest rate, and n represents the number of years of deposit. China uses the simple interest calculation method.

Simple Interest Method: Interest = Principal Interest Rate Term.

Compound interest method (used to calculate interest on automatic rollover): f=p (1+i)n (power).

f: Compound interest terminal value. p: Principal. i: Interest rate. n: an integer multiple of the time the interest rate was obtained.

The interest rate is the basis for calculating the amount of interest, and it is an important lever to mediate economic development.

Interest rates generally have three forms: annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a few percent of the principal amount and is called in China"points";The monthly interest rate is expressed in thousandths of the principal amount and is called in China"PCT";The daily interest rate is expressed in a few ten-thousandths of the principal amount and is called in China"milli"。

Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits and time deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

How to withdraw a fixed deposit after maturity:

1. Handle it over the counter.

After the maturity of the fixed deposit, bring your ID card (or other valid documents) and the fixed deposit slip to the counter of the deposit bank for withdrawal or renewal. If you don't understand anything, you can ask the relevant bank staff.

2. Online banking.

If you apply for a fixed deposit on online banking, the principal and interest will be automatically transferred to the current account after the maturity of the fixed deposit. If you apply for a fixed deposit on online banking, you need to manually withdraw it by yourself after the expiration date, enter the U shield password, and confirm it.

Further Information: Time Deposit Handling Guide:

1. The deposit method of fixed deposit can be cash deposit, transfer deposit or intra-city payment.

2. There are the following ways to withdraw time deposits: full withdrawal at maturity, and one-time settlement of principal and interest at the prescribed interest rate; If the full amount is withdrawn in advance, the bank will pay interest according to the current deposit interest rate announced on the date of withdrawal; If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the time deposit shall be liquidated.

3. RMB fixed deposits are usually divided into six interest rate levels: three months, six months, one year, two years, three years and five years. The foreign exchange fixed deposits of Chinese-funded enterprises can be divided into five grades: one month, three months, six months, one year and two years.

4. During the deposit period, the interest shall be calculated and paid according to the fixed deposit interest rate announced on the date of deposit, and the interest shall not be calculated in stages in case of interest rate adjustment.

5. Interest shall be calculated and paid on the maturity withdrawal of time savings deposit according to the deposit interest rate on the date of opening of the certificate of deposit, interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal, and interest shall be calculated according to the interest rate of the current deposit on the date of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

6. For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate to handle the deposit deposit in advance; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

7. For unexpired fixed savings deposits, depositors may withdraw part of them in advance according to their needs, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the date of withdrawal, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate. If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that have been paid and the newly opened deposit receipts for the retained part.

Summary. Happy New Year in the Year of the Tiger! Dear, hello, you can continue to roll over the bank fixed deposit after maturity.

Can I continue to deposit my bank fixed deposit after maturity?

Happy New Year in the Year of the Tiger! Dear, hello, you can continue to roll over the bank fixed deposit after maturity.

Can I continue to save after the deposit period?

Dear, you can continue to exist. There are 3 types of continuing deposits: 1. If you choose automatic rollover, then you don't need to do anything, the bank will automatically transfer the time with interest on the maturity date for the same period; 2. If you do not choose automatic rollover, but have opened online banking, some banks can provide online rollover operations; 3. If you are not automatically transferred to the bank or have opened online banking, please take the deposit receipt or regular passbook to the bank branch counter to handle the transfer business.

Dear, I hope the above can help you, thank you! Have a great day!

How to do it. Dear, please bring your ID card and take the deposit receipt or regular passbook to the bank branch counter to continue the transfer business.