Why can t I see ICBC e Savings Fixed Deposit on mobile banking?

If it is a fixed deposit, you can't see it on mobile banking, so you need to go to the bank counter to make an inquiry.

Deposit time, demand.

Nowadays, there are a variety of financial management methods on the market, and everyone will choose suitable financial products for their own life and financial management in life, and earn another life**. In fact, although many financial products outside have high interest rates, the risks are not low, and most people do not touch these financial products when they are uncontrollable.

So don't you manage your money? In fact, bank deposits are also a kind of financial management methods, such as time deposits, large certificates of deposit, etc., are preferred by most people, when it comes to time deposits, divided into 3 months and 5 years, many people will be entangled in the deposit time, so in the bank "time deposit" is 3 years or 5 years better? It's a loss to make mistakes!

First of all, is it better to have a current account or a regular subscription? The answer is definitely good on a regular basis. Under the premise of safety, our deposits generally give priority to efficiency, and secondly, we also need a certain amount of liquidity to ensure that we need them from time to time.

If it survives, although it can be accessed at any time, and the liquidity is very high, the interest rate is indeed too low, and there is no financial management at all, but it only plays the role of custody by the bank. In accordance with the relevant regulations, the deposit period can still be withdrawn at any time, and there is no impact on liquidity. On the contrary, if there is no special reason in the middle of the process, it can generally be held to maturity.

or withdraw part early, and the remainder can continue to enjoy the regular interest rate until maturity. Comparing the two, firstly, there is no difference in liquidity, and secondly, the possibility of obtaining more interest is much greater, so it is of course more cost-effective to save and periodize.

As for saving for half a year, a year, or three years? It mainly depends on the period of inactivity of your funds, or investment planning. If the investment plan is vague and unclear, of course, a shorter term is more realistic.

Due to the unclear investment plan, it will inevitably lead to the possibility of early withdrawal, once there is an early withdrawal, the interest will be calculated according to the current interest rate, and more interest will be lost, and there is a feeling that the gains outweigh the losses. However, if the investment plan is very clear and the idle period of funds can be basically determined, it is definitely a 3-year period, because the 1-year interest rate is definitely lower than the 3-year interest rate. Under normal circumstances, even if you save three consecutive 1-year total interest, it is not as much as a 3-year interest, which is theoretical, and you can calculate it yourself if you don't believe it.

How to balance the contradiction between efficiency and liquidity if the investment plan is not clear? In fact, there is a better way to solve it easily, which is decentralized deposit. There are two forms, one is to divide a fund into multiple deposits, long-term and short-term combination allocation, short-term products are mainly to meet the needs of temporary funds; The second is to transfer and deposit funds that cannot be determined to other third-party financial management platforms, including currency **, and some innovative deposits, which not only have interest rates much higher than current interest rates, but also can be deposited and withdrawn at any time, with strong liquidity and relatively safe.

Through these combination deposits, the contradiction between efficiency and liquidity is effectively solved, so that you are no longer entangled.

It is recommended to bring your mobile phone to ICBC for consultation.

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The reasons why ICBC's paper certificates of deposit cannot be seen on mobile banking are:1Information Synchronization Delay:

It takes a certain amount of time for the bank to synchronize the information of the paper CD into the mobile banking system. During this process, you won't be able to see the information immediately on your mobile banking. 2.

Unsupported features: The mobile banking app does not support the ability to view paper certificates of deposit directly. Mobile banking can usually only display information related to electronic accounts, such as demand deposits, credit card statements.

3.Requires special authorization: Certain banking operations, such as viewing paper certificates of deposit, require special authorization or authority.

You can try to contact the bank's customer service or go to the bank's counter in person to make inquiries. 4.ICBC Individual Regulations:

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The reasons why ICBC's paper certificates of deposit cannot be seen on mobile banking are:1Information Synchronization Delay:

It takes a certain amount of time for the bank to synchronize the information of the paper CD into the mobile banking system. During this process, you won't be able to see the information immediately on your mobile banking. 2.

Unsupported features: The mobile banking app does not support the ability to view paper certificates of deposit directly. Mobile banking can usually only display information related to electronic accounts, such as demand deposits, credit card statements.

3.Requires special authorization: Certain banking operations, such as viewing paper certificates of deposit, require special authorization or authority.

You can try to contact the bank's customer service or go to the bank's counter in person to make inquiries. 4.ICBC Individual Regulations:

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The characteristics of paper certificates of deposit are: 1Deposit term: The deposit term of paper fixed deposit certificates can be selected according to the needs of customers, usually including three months, six months, and one year.

2.Interest rate income: The interest rate income of paper fixed deposit certificates is usually relatively fixed, depending on the length of the deposit term and changes in market interest rates, so as to ensure that customers receive a fixed return on the sale.

3.Early withdrawal limit: Paper CDs have certain early withdrawal restrictions, i.e., early withdrawal during the deposit period will result in the loss of part or all of the interest, and there is also a certain handling fee.

4.Security: Paper certificates of deposit have a high level of security, because they are official certificates issued by banks, and customers can verify their deposit information and rights through the certificates of deposit<>

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Personal fixed deposits can be divided into the following types: lump sum deposits, lump sum deposits, lump sum deposits, principal deposits and interest withdrawals, education savings, fixed savings and call deposits.

If you are handling a lump sum deposit and withdrawal, then as long as the deposit period is agreed, the lump sum deposit is made, and the principal and interest can be withdrawn in one lump sum at maturity.

If the account is made in a lump sum deposit, the deposit period is agreed upon when opening the account, and the deposit amount is fixed every month and the principal and interest are withdrawn once at maturity.

According to your account, it feels like you made a six-month fixed deposit on March 5th. Then the expiration date is September. Now (today) you have made another six-month fixed deposit, so the maturity date is naturally October.

That is to say, you have now handled a total of two half-year lump sum deposit fixed deposits, both with an amount of 800 yuan, one due in September and the other due in October.

Of course, your half-year deposit in March will expire in September, and your half-year deposit in April will naturally expire in October. You can save the fixed deposit if you want to, and you can not save it if you don't want to, it is completely up to your personal will.

Fixed deposit means that the funds you deposit are withdrawn after a specified period of time, and your interest rate is much higher than that of current deposit.

1. On the issue of fixed deposits:

You only say that it is a fixed deposit, but there are many types of fixed deposits, there are lump sum deposits and withdrawals, and there are many other deposit methods, and if you don't explain it clearly, you can't be sure whether there is a passbook form. However, in the case of lump sum deposit and lump sum withdrawal, both are in the form of a passbook, while a lump sum deposit can only be in the form of a passbook, so the answer here is only to assume that it is a lump sum deposit.

1.ICBC has a fixed-term one-pass business, that is, it can be handled in the form of a passbook. They didn't do it for you, which means that the branch may have used up the passbook at that time, and did not go to the bank factory to collect it in time, so they want to make it in the form of a deposit certificate for you.

2.Whether it is in the form of a passbook or a certificate of deposit, the deposit interest rate is the same, and there is no difference.

3.If you need to make regular deposits, you can also deposit a lump sum into a debit card on a regular basis, and the debit card can also be deposited for a fixed period of time, and it can be multiple.

2. On the issue of Anbang Insurance.

For Anbang Insurance**, the income is basically at the level of interest rate they advertise based on past records. But the key thing is to ask whether there is a difference between how the interest is calculated once you need to withdraw money early or partially withdraw, and whether there is a difference from the bank's early withdrawal regulations. We know that the bank must withdraw in advance, it must be calculated according to the current interest, and the principal is withdrawn in full.

As for whether this insurance product can guarantee that the principal will not be lost in advance, I think it is what you need to understand and ask clearly.

Generally, there is no risk in this, and if the interest rate rises, it will rise accordingly, and there is no interest tax.

At present, ICBC has two such products, which are also cooperated with different insurance companies:

First: the steady profit of Taiping Life; The starting amount is 50,000 yuan, which needs to be deposited for more than 5 years, and a handling fee needs to be paid for early withdrawal, and there are dividends;

the other is: Anbang Insurance's property insurance products; The starting amount is 10,000 yuan, and it must be saved for more than 3 years, and the product also has "family property insurance"; It is higher than the regular income after tax, and there is another one that is 5 years old, which is higher than the regular income after tax.

If you are sure that you will not have money for 5 years, you can buy some.