Can I withdraw money from a fixed deposit in a different place? Can I withdraw money from another pl

1. Bank cards are OK, but certificates of deposit are not.

2. If your fixed deposit is stored in a bank card, you only need to take the card to the counter to handle it in a different place, and you can withdraw money; However, if your deposit is in a passbook, you cannot withdraw money from a different place only with the passbook.

3. If you cannot withdraw money from a fixed deposit such as a normal certificate of deposit, it is recommended to choose a fixed account deposited with a debit card and open online banking.

4. If the depositor withdraws the full amount at maturity, the principal and interest shall be settled at one time according to the regular interest rate stipulated by the bank; If the user withdraws the full amount in advance, the interest will be calculated and paid according to the current deposit interest rate announced on the withdrawal date.

5. For part of the early withdrawal, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the interest shall be calculated and paid according to the original interest rate for the retained part, but if the retained part 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 fixed deposit shall be liquidated.

6. In addition, users need to pay a certain handling fee for RMB fixed deposit deposits in different places, with a minimum of RMB 2 and a maximum of 50 yuan for each transaction. There is no fee for local withdrawals.

The fixed deposit is divided into the certificate of deposit and the fixed deposit in the card, if the card is fixed and the certificate of deposit can be deposited and withdrawn in other places, it is not possible.

If you do not set up a deposit and exchange at the time of deposit, you cannot withdraw money from other places.

Fixed deposits generally cannot be withdrawn across provinces, but they can be withdrawn across cities and places.

Users need to pay a certain handling fee for RMB fixed deposit deposits in different places, which is 1% of the transaction amount for each transaction, with a minimum of 2 yuan and a maximum of 50 yuan, and no fees are required for local withdrawal.

Fixed deposits can be withdrawn in other places, but some fees will be charged when withdrawing. The handling fee is about 1% of the transaction amount, with a minimum of $2 and a maximum of $50, and no fee is required for local withdrawals. When withdrawing money, the bank staff will calculate the interest according to the interest rate, convert the principal and interest into the current amount, and then withdraw a certain amount according to the customer's requirements.

If the amount is too high, you need to contact the bank in advance.

The interest rate of each bank fixed deposit is not very different, and the interest rate of the fixed deposit is related to the length of the fixed deposit, and the longer the deposit time, the higher the interest rate. In the bank deposit for 5 years, the interest rate is about around, and the interest rate for saving 50,000 yuan is about 5,000 6,000, which seems to add up to a lot, but in fact it is quite a loss, and the current inflation rate is obviously higher than the deposit interest rate.

If you want cash not to depreciate, try to make a fixed deposit as little as possible, you can do some financial management and buy low-risk**, so that you can make more money, of course, the funds are enough to buy a house directly and cause the least loss.

Of course, it is possible to withdraw money in other places, because each bank account is interoperable, so it is possible to withdraw money no matter where it is, and it is also very convenient to operate, so there is no need to worry about this problem.

Ask a question about a regular passbook.

Oh, if you have a regular passbook, there is no problem, you can deposit and withdraw money nationwide, as long as you expire, you can withdraw money with your ID card and regular passbook! Asking questions is an easy book.

Well, I know that a regular passbook is a regular passbook.

Don't worry, it can be used nationwide!

Question: Is there a handling fee for off-site withdrawal? (not out of the province).

Even if you go out of the province, you don't need to pay a fee.

Our bank here doesn't know how many foreign time passbooks have been withdrawn, thank you!

You are welcome! Please give me a thumbs up, thank you.

Yes, fixed deposits can be withdrawn in other places, and users need to pay a certain handling fee when they carry out the deposit and exchange business of RMB fixed deposits in different places.

Of course. But you have to withdraw it at the same bank, and you must have enough time to withdraw it.

It is possible to withdraw money in other places, as long as you take your relevant documents, and then go to the corresponding bank to handle it.

At present, the three types of time deposits provided by banks are bank card time deposits, time 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 deposited and exchanged, it can only go to the account opening outlets to handle withdrawals, if it is a passbook of deposit and exchange, the bank also supports the business of blocking Qin, then you can handle deposits or withdrawals in the first song of the national outlets.

3. Certificates of deposit: If the account opening status is not through the deposit and exchange, you can only go to the account opening outlets to handle withdrawals, 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.

Extended information: Rural credit cooperatives cannot withdraw money from other places at will.

1. Certificates of deposit cannot be withdrawn from other places before they expire; After the expiration of the certificate of deposit, the depositor can withdraw cash in different places in the province with the password and the depositor's ID card; Charge a fee for the collection of savings deposits in different places (the specific charges vary slightly depending on the region, generally 50 yuan), and the bank will send the deposit certificate to your deposit receipt opening bank, and the opening bank will take out the deposit, and then transfer the deposit back to the local bank, and you can transfer the deposit or withdraw cash.

2. In two cases, if it is a different place within the same province, the fixed deposit can be withdrawn in a different place in the same province or city; At present, rural credit cooperatives are based on provinces, so time deposits cannot be withdrawn under such circumstances.

3. Rural credit cooperatives passbooks are generally used more by rural people, and earlier, there would be loan officers in every village, that is, credit union staff who helped villagers make deposits. Villagers only need to provide the money to be deposited and their ID cards to the loan officer, and then the loan officer will go to the credit union to handle the passbook of each villager's deposit, and then hand it over to the villagers.

The same is true for withdrawals, where villagers give their passbooks and ID cards to the loan officer, who then collects them on their behalf. Passbooks are generally used for deposits and withdrawals from local credit unions.

Time deposit. Withdrawals can be made off-site.

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

Extended Materials

1. Bank card fixed deposit: After the bank card fixed deposit expires, you can use mobile banking.

Or online banking.

Change the regular term to current account, and the money will be transferred to the bank card, and can be withdrawn at the counter of a bank branch or ATM in a different place.

Second, the time passbook: first of all, to determine the status of the passbook to open an account, if it can not be exchanged through the deposit and exchange, can only go to the account opening outlets to handle withdrawal, if it is a passbook through the deposit and exchange, the bank also supports the business, then you can handle deposits or withdrawals in the national outlets.

3. Certificates of deposit: If the account opening status is not through the deposit and exchange, you can only go to the account opening outlets to handle withdrawals, 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.

It's still okay to cross provinces.

The term of the fixed deposit certificate is generally one month, three months, six months, one year or more. Interest rates vary with the length of the term, ranging from floating rates to fixed rates. Pre-60s, certificates of deposit could only be withdrawn by the depositor on the basis of the certificate of deposit, and could not be transferred to others or circulated freely in the market.

Citibank in New York, USA, 1961.

The creation of negotiable large-value time deposit certificates has since broken the tradition that certificates of deposit cannot be transferred, and has become an important financial innovation.

According to the classification of issuers, there are four main types of fixed deposit certificates:

1. Domestic Time Deposit Certificate. A domestic term deposit certificate issued by a U.S. commercial bank. Interest rates are paid at maturity, and some are discounted and withheld. Most of these certificates of deposit are bearer so that they can be transferred and kept confidential for investors.

2. Eurodollar certificates of deposit are issued by U.S. banks on their offshore or offshore financial markets; or a certificate of deposit issued by a bank other than the United States. Although it is a Eurodollar certificate of deposit, it is not issued in one place in Europe, and the currency used is not only the US dollar. The "Eurodollar" is just a historical concept.

At the moment, there is also the European pound.

Certificates. European Deutschmark.

Certificates of deposit fall into this category.

3. Yankee certificates of deposit, or domestic certificates of deposit issued by foreigners. is a certificate of deposit issued by a branch of a foreign bank in the United States. The term is short, generally not more than three months, and the issuers are mainly banks in Western Europe, the United Kingdom or Japan, and the purpose of issuing certificates of deposit is to facilitate financing for customers operating cross-border business in their own countries.

4. Certificates of fixed deposits of savings institutions. It is issued by a thrift institution in the United States. The term is longer, up to five years. The secondary market for certificates of deposit of this grade.

Less developed. At present, U.S. savings institutions are developing Eurodollar certificates of deposit business outside the U.S. to expand the international financial market.

Fixed deposits can be withdrawn in other places, bank cards can be withdrawn in other places, but certificates of deposit cannot, and a part of the interest will be lost if withdrawn in other places. Many banks do not support the withdrawal of large amounts of fixed deposits in other places, and can only be withdrawn at the opening bank.

Extended information: remote withdrawal means that the withdrawal can be handled by the bank institution that has opened the cross-regional deposit and withdrawal business, and the deposit account of the banking institution that has not set up a cross-regional branch can only withdraw money through the bank card on the ATM, and the upper limit of withdrawal is 20,000 yuan, and the inter-bank withdrawal will be charged a handling fee.

Fees for off-site withdrawals.

Bank of China: Cardholders withdraw money from ATMs of other banks in the same city, 4 yuan; ATM withdrawals from other banks in different places in the province are 9 yuan; ATM withdrawals from other banks outside the province, 12 yuan; Withdrawals at overseas ATMs, 15 yuan. It is reported that the original charging standard of the Bank of China was:

2 yuan for inter-bank transactions in the same city and 7 yuan inter-bank transactions within the province.

CCB: 2 yuan for the amount of withdrawal collected by inter-bank in the same city, plus 2 yuan for inter-bank (inside and outside the province) in different places.

Agricultural Bank of China: 2 yuan per bank in the same city and within the province, and 1% plus 2 yuan per bank outside the province.

ICBC: 2 yuan for inter-bank transactions in the same city, and 1% plus 2 yuan for inter-bank transactions in different places (inside and outside the province).

China Merchants Bank: 2 yuan will be charged for inter-bank transactions in the same city and within the province, and 2 yuan will be charged for inter-bank transactions outside the province.

Bank of Communications: 2 yuan for inter-bank transactions in the same city, 2 yuan for inter-bank transactions in different places (inside and outside the province), minimum 10 yuan for transactions, and a maximum of 100 yuan for transactions.

People's livelihood: free inter-bank in the same city, 5 yuan for inter-bank in different places (inside and outside the province).

Huaxia: Free inter-bank in the same city, 2 yuan inter-bank in different places (inside and outside the province).

CITIC: The first two transactions of the same city and intra-provincial inter-bank are free of charge every month, the third is 2 yuan, and the maximum is 200 yuan for inter-bank transactions outside the province.

Pudong Development: Inter-city inter-bank, inter-provincial inter-bank, and inter-provincial inter-bank are free of charge, and 15 yuan per transaction from Hong Kong and other overseas countries.

Deep development: 1% will be charged for each inter-bank in the same city and in other places (inside and outside the province), with a minimum of 10 yuan.

IB: Free of charge for inter-bank transactions in the same city, free for the first three transactions in different places (inside and outside the province), and 2 yuan for the fourth transaction.

Nanjing Commercial Bank: Free of charge for inter-city and non-local inter-banking.

Non-local ATM withdrawal: 1% of the withdrawal amount of each inter-bank ATM withdrawal of the Bank in other places, with a minimum of 1 yuan and a maximum of 100 yuan; The handling fee for each inter-bank ATM withdrawal is 2 yuan + 1% of the withdrawal amount, with a minimum of 1 yuan and a maximum of 100 yuan for the 1% part;

Non-local withdrawal fee: A handling fee will be charged according to the withdrawal amount, with a minimum of 1 yuan and a maximum of 100 yuan.

Fixed deposits cannot be withdrawn from other places. The fixed passbook can only be withdrawn at the deposit bank or the local bank of the deposit, and you can go to the bank branch with your ID card and deposit receipt, and it does not support withdrawal in other places. 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 pay the interest and principal in a lump sum after maturity, which can be withdrawn in advance, and the interest will be calculated according to the current interest rate, which is currently about the current interest rate.

There are many ways to withdraw fixed deposits, including but not limited to one-time full withdrawal at maturity, full early withdrawal, partial early withdrawal, etc., the differences are as follows:

1. One-time full withdrawal: After the maturity of the specified deposit, the principal and interest will be withdrawn at one time;

2. Full early withdrawal: If the deposit in the specified period is not mature, but a large amount of funds is urgently needed, you can withdraw all the principal in the bank;

3. Partial early withdrawal: If the specified period of deposit is not mature, and the money is urgently needed but the amount is not large, part of the principal can be withdrawn, and the remaining principal can continue to be deposited for a fixed period.

There are a variety of withdrawal channels for fixed deposits, but the withdrawal channels stipulated by each bank are different, for example, some banks require to withdraw over the counter, and some banks can also withdraw through mobile banking in addition to counter withdrawals.

In addition, some banks can withdraw fixed deposits in different places, and at present, slightly larger banks can achieve regular deposit and exchange, that is, they can be deposited in Bank A and can be withdrawn in Bank B, but they all have a certain range, basically within the province.

The fixed passbook is actually the same as the time deposit, just like your deposit does not exist on the card and the existence of the passbook, then the time passbook is the same meaning, the amount written on the passbook can only be withdrawn when the specified time comes, and the withdrawal in other places means that the withdrawal can handle the business in the banking institution that has opened the cross-regional deposit and withdrawal business, and the deposit account of the banking institution that has not set up a cross-regional branch can only withdraw money through the bank card on the ATM, and the upper limit of withdrawal is 20,000 yuan. Interbank withdrawals will be subject to a handling fee.