The fixed deposit certificate of the Rural Commercial Bank does not have the signature of the handle

It doesn't matter, under normal circumstances, banks only affix official seals, as long as the official seal is clearly visible, then the effectiveness is also guaranteed; Secondly, even if the handler does not have a signature, the number information of the handler is also available due to the information storage.

Handling of fixed deposits

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity, which has the characteristics of stable interest income.

The client submits the completed "Personal Account Opening Service Signing Application".

and valid identity documents (if you open an account for someone else, you need to register the name of the person, the name of the identity document, and the number on the account opening voucher at the same time, and at the same time contact the person who is ** for verification and register on the application). The front desk will hand over the medium of opening a fixed deposit account to the customer.

Note:

1.Lump sum deposit account opening supports opening an account with a fixed deposit medium, or an existing bank card or a fixed passbook.

to open a fixed-term sub-account.

2.As long as the account is higher than the minimum opening amount of the product, there is no limit to the number of withdrawals, and partial early withdrawal and full early withdrawal are not allowed for partial and full early withdrawal of lump sum deposits and education savings, and can only be closed.

3.The minimum deposit amount for opening a fixed lump sum deposit is 50 RMB.

How to calculate the income of early withdrawal of fixed deposits

If the investor withdraws the full amount in advance, the bank will pay interest according to the current deposit interest rate announced on the date of withdrawal; If the investor withdraws part of the early, the withdrawal part will be calculated according to the current period, and the rest will still be calculated according to the regular period.

For example, Xiao Hua deposited a one-year fixed deposit of 200,000 yuan in the bank, and the interest rate is that after 6 months of deposit, Xiao Li is in urgent need of cash for decoration and withdraws 100,000 yuan in advance, and the interest rate of the bank demand deposit is the remaining 100,000 yuan, which will be withdrawn after expiration, and the interest of the investor is calculated as follows:

If the withdrawal is made in advance, it will be calculated according to the interest rate of the current account: the interest is 100,000 yuan; The remaining 100,000 yuan is calculated according to the interest rate of the fixed deposit: the interest is 100,000 yuan.

If the bank's fixed deposit certificate is not stamped by the handler, only the bank's official seal, this kind of thing does not matter, but ah, it is best to have the handler stamp, otherwise it will not take effect.

If you have the official seal of the bank, then there is no problem, and it is also legally valid, not to mention that you have a fixed deposit certificate of the Rural Commercial Bank in your hand, which is also legally effective, don't worry.

The fixed deposit certificate of the rural commercial bank does not have the signature and seal of the handler, and it does not matter if the bank's official seal is required.

If the bank's fixed deposit certificate is only stamped with the official seal but not the handler's seal, if you are worried about the validity of the deposit receipt, you can go to the handling bank and ask the handler to affix the handler's name seal or replace it with a new one.

Certificates of Deposit of Fixed Deposits, according to the previous provisions, have three chapters:

1. Network business chapter;

2. By private seal;

3. Review the private seal. Now, after the reform, it is unified into an elliptical business chapter.

The special seal for business is a seal used in banking business for the following purposes:

1. Issuance of certificate of opening a fixed deposit account of the unit;

2. Unit fixed deposit certificate;

3. Certificate of deposit;

4. Proof of holding wealth management products;

5. Carry the foreign exchange exit certificate and the receipt of the visa fee;

6. Payment notice for balance statement, collection acceptance and entrusted collection business;

7. The opening, cancellation and loss reporting and stop payment of the settlement account of the unit shall be stamped after the business procedures are completed.

Extended Materials. 1. Can I withdraw bank fixed deposits in other places?

Bank fixed deposits can be withdrawn in other places, but it needs to be determined that the fixed deposits are deposited in the card's paperless lump sum deposit and withdrawal RMB account, which can be withdrawn at maturity or in advance (including partial withdrawal) in other places, otherwise they cannot be withdrawn in other places. Early withdrawal of time deposits is due to the loss of a certain amount of interest, so it is not recommended to withdraw early at non-essential times.

Whether a fixed deposit can be withdrawn from another place mainly depends on your deposit medium, and different media have different regulations for remote withdrawal. Therefore, you can look at your bank card or passbook before withdrawing money. And before withdrawing the fixed deposit, calculate the lost interest, is there any other way to solve it?

For example, Xiao Wang has deposited 100,000 yuan in the bank for 3 years, and the interest rate is in, and after the deposit expires, he can get 11,550 yuan of interest. If Xiao Wang withdraws one day in advance, then he can only get a maximum of 1,050 yuan in interest according to the annualized income of the current account. Because the fixed deposit is withdrawn in advance, the part withdrawn can only be calculated according to the bank's current interest rate on the day.

As long as there is a bank's business seal on the bank's fixed deposit certificate, it is valid, and now the teller has a teller number, which is also printed on the deposit receipt, so it doesn't matter if there is no signature of the handler, it is valid. If you are not at ease. You can find a handler to resign.

Valid, no problem, as long as there is a business seal and the certificate of deposit is genuine. No, don't worry, you can go and inquire. It is also possible to have a business chapter and a serial number.

Extended Materials. What should I do if I lose my fixed deposit certificate?

If the fixed deposit certificate is lost, you can do the following: Apply for loss report: After an individual finds that the fixed deposit certificate is lost, the individual can bring his ID card to the deposit bank to go through the loss reporting procedures.

Individuals can provide the staff with the type, account name, account number, amount, deposit date and other elements of the fixed deposit certificate, and apply to the original deposit bank to report the loss. Replacement of deposit receipt: If an individual fails to find the deposit receipt for a long time after successfully reporting the loss, he or she can bring his ID card to the bank business hall to go through the re-application procedures, and he can use it after the replacement is successful.

Can a fixed deposit from a bank be withdrawn in advance?

Bank fixed deposits can be withdrawn in advance before maturity, and generally banks have an opportunity to withdraw part and all of them in advance for fixed deposits, and the withdrawn funds are calculated with interest according to demand deposits, and the remaining funds are calculated with interest according to time deposits. According to Article 24 of the "Savings Regulations", if the unexpired fixed savings deposit is fully withdrawn in advance, the interest shall be calculated and paid according to the deposit interest rate of the current deposit; If part of the early withdrawal is made, the interest shall be calculated according to the deposit interest rate of the demand deposit, and the interest shall be calculated and paid on the remaining part according to the interest rate of the fixed savings deposit.

Can I withdraw my fixed deposit from another place?

At present, the three types of time deposits provided by banks are bank card time deposits, time deposit passbooks and time deposit certificates.

1. Bank card fixed deposit: After the bank card fixed deposit expires, you can change the fixed deposit to current account through mobile banking or online banking, and the money can be withdrawn from the bank card counter or self-service ATM in other places.

2. Regular passbook: First of all, it is necessary to determine the account opening status of the passbook, if it cannot be exchanged through the deposit and exchange, it can only go to the account opening outlets to handle withdrawal, if it is the passbook of the deposit and exchange, the bank also supports the business, then you can handle the deposit or withdrawal at the national outlets.

3. Fixed deposit certificate: If the account opening status is not through the deposit and exchange, you can only go to the account opening outlets to handle withdrawal, if it is through the deposit and exchange, it also depends on whether the mark on the deposit certificate is limited to the province, and the general default is that you cannot withdraw money across provinces, but some state-owned banks can still cross provinces.

First, there is nothing wrong with this CD.

The countless certificates of deposit issued by ICBC every day are only stamped with small round seals.

Second, there is no personal seal.

And whether there will be problems in the future that the responsible person cannot be found.

You're overthinking. The reason why it is not stamped with the name of the person.

This is because you now have the same thing as your name stamp on your deposit receipt——— teller number (ICBC teller ID number).

You can look it up.

In the middle right of the front of the certificate of deposit.

Handling tellers. Five-digit e.g.

17857 and so on.

This number corresponds one-to-one with people.

That's why I don't have a personal stamp.

Time deposit. If there is no seal on the deposit receipt, it must have an impact! You must go to the account opening outlet as soon as possible to fix the seal, there is the teller number under the fixed deposit certificate, find the teller who handled the business for you at that time, and they will give you the seal after verification.

If it is a long-term certificate of deposit and there is no seal on the list, the bank will also think that it is a wrong receipt when you go to withdraw money, because the certificate of deposit without the official seal is invalid, and you may not be able to withdraw the money at that time.

Extended information: 1. Industry insiders said that most people prefer to choose a less risky way to manage their finances.

If we spend money to choose financial products such as **.

There is a lot of uncertainty and change, which can shrink our fortunes. Especially for some elderly people who have deposits, they are reluctant to take risks and prefer to deposit their money in the bank to earn part of the interest on their deposits. Why banks are exposed to little risk.

This is because in our country, banks are managed by the state, and they will reasonably avoid capital problems so that each bank can operate for a long time. In addition, the state also has provisions for compensation if our country is unable to obtain its own benefits due to deposit problems. In this case, we will give preference to banks with lower risk.

Nowadays, financial products are constantly emerging. The higher the reward, the greater the risk. Ordinary people invest in financial management.

is inappropriate. There are only four types of real low risk: bonds.

Fixed Deposits, Currency**.

and financial products below the R3 level. Among them, although the latter two have relatively low risks, they cannot guarantee absolute principal and interest guarantees. Therefore, Sun Panxiao, for security reasons, gave priority to treasury bonds and fixed deposits.

Second, financial management is nothing more than profit, the interest of the highest principal can be earned, it will be the first.

Of course, if it is a traditional large state-owned bank, the interest rate of fixed deposit is not high, but in many small and medium-sized banks, the one-year interest rate can reach the draft, which is higher than the general R2 and lower than that of wealth management products.

After all, the annual rate of return of these wealth management products.

Only 3%.

It doesn't matter if the seal on the fixed deposit slip of the rural commercial bank is not clear! As long as yours is the original, you can! The bank will recognize it!

The seal on the fixed deposit certificate of the rural commercial bank is not clear, this problem can be ignored, the deposit certificate lists the account number, the handler, the amount, and the bank's comprehensive system is recorded, so please worry about this problem.

A deposit is a deposit of money or currency that the depositor temporarily transfers to a bank with the right to use it under the condition that the depositor retains ownership. It is the most important source of credit funds for banks. A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity.

It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice and a relatively stable interest income.

As long as you can see which chapter it is.