What happens to the money deposited in the bank if the person dies? If no one knows, will it go to t

<> for various reasons, every bank may have unclaimed personal deposits, commonly known as ownerless deposits, are these deposits all owned by the bank? The answer is no. This "ownership" is only temporary, and refers only to the "right of custody" and "right of use", not the right of ownership and disposal in the true sense.

First of all, the bank is not aware of the death of the depositor, and the savings contractual relationship is still valid. We know that depositors deposit with the bank, which legally forms a savings contract relationship, which also clarifies the rights and obligations of both parties, that is, the depositor entrusts the bank with the management of the funds and enjoys the right to income and ownership, while the bank obtains the right to use the currency by paying interest, and undertakes the obligation to properly keep the currency and ensure that the depositor withdraws it at any time. However, whether the depositor is alive belongs to the category of population management, which has nothing to do with the bank deposit business, and has not yet established an interconnection and sharing mechanism, so among the hundreds of millions of depositors, it is impossible for the bank to know whether the depositor has passed away, so whose deposit is still who's, and the interest is calculated according to the agreement between the two parties at the time of deposit, so as to ensure that the depositor can withdraw it at any time.

Even if the depositor is known to have died, the bank does not have the right to possess and dispose of it, but is still bound by the savings contract. Because even if the depositor dies, the personal deposit is converted into an inheritance, so what is disposed of? It must be disposed of in accordance with the provisions of the inheritance law.

Is there a legal heir to the deposit? When will the heirs have the right to withdraw or transfer? Does the bank know?

Definitely don't know. Therefore, the bank will not and will not dare to dispose of it at will, let alone take possession, and the funds will exist in the form of depositors' deposits for a long time. Some people think that it is in the possession of the bank, which is wrong.

In law, depositors deposit to obtain interest and transfer the right to use funds to the bank, and the bank uses the funds (lending) according to the agreement is obviously compliant and legal, and will certainly not be left idle for a long time, and the bank's credit is actually a manifestation of the spirit of contract.

Orphan deposits remain unclaimed for a long time, and there will be an ultimate solution in the event of bank failure and bankruptcy. In fact, as a financial regulator, the financial regulator has fully considered this possible consequence and formulated corresponding measures. That is to say, when the bank goes bankrupt and liquidates, the deposit information of all depositors will be released to the public, and the family members or heirs who have the right to inherit it in accordance with the provisions of the savings management regulations can carry out the inheritance according to law.

In accordance with the regulations of the Ministry of Finance and the People's Bank of China, the deposits of enterprises and institutions owned by the whole people, state organs, and employees of mass organizations shall be turned over to the state treasury and returned to the state in accordance with the regulations of the Ministry of Finance and the People's Bank of China. The deposits of employees of collective-owned enterprises may be transferred to collective ownership. This is the final destination of the ownerless deposit, which shows that the bank has no ownership of the ownerless deposit in the whole process, only has the right to use the funds, and earnestly fulfills the obligation of proper custody, waiting for the right heir to withdraw or transfer the account at any time, or the disposal of the competent authority.

First of all, it is impossible for no one to know that the money will be transferred to your loved ones by the bank, and then further judge the distribution to say.

After the death of a person, the money deposited in the bank is inherited by the heirs. If no one knows, the money will always be in the bank, and in the case of more than 500, there will always be interest, not to the bank.

Even if a person dies, the money still belongs to the relatives of the deceased, not to the bank, and the money can still be withdrawn with the card.

This issue should be discussed in a categorical manner:

1.If the heirs know the passbook or bank card password of the deceased, they can withdraw money from the bank with the withdrawer's ID card, death certificate, and deceased's ID card.

2.If you don't know the withdrawal password, you need to bring the deceased's will to the notary department for notarization, and you can withdraw money from the bank after notarization.

3.If the deceased did not make a will, he must first go to the notary department to notarize, and then Geng Xiaoxun told him to divide the inheritance according to the inheritance law, and then go to the bank to withdraw money.

Let's start with the conclusion, if no one knows that he has money in the bank, then the money is eventually counted in the bank's non-operating income. In fact, it is not unreasonable for the bank to do this, because if anyone's deposit is not approved by the depositor himself, other Huai Chang people have no right to know about it. The bank has tens of millions of customers, how can it know which one died?

The money deposited in the bank will also be inherited by the first heirs of the deceased, and if no one knows, the bank should also find the legal heirs when taking inventory, and the money should not go to the bank.

Most of the time yes. If there is a responsible relationship manager, the family members will be notified to manage the money deposited in the bank if the money has not flowed for a long time. If there is no one to collect it for too long, the account will become dormant, and after a period of time, it will be converted into non-operating income.

I don't think it's possible for this to go to the bank, maybe it was donated as a charity.

The money that is stored in the bank will remain in the bank until someone goes to the bank to withdraw it with the relevant procedures, otherwise it will always be kept in the bank.

If there is an heir, it will belong to the heir, and if there is no heir, it will belong to the state, and it is impossible to go to the bank.

If the money is deposited in the bank, your immediate family members can withdraw the money you made through the relevant certificates. However, if no one comes to collect it, it will be taken into the possession of the bank.

No, the bank will generally notify the family members of the person concerned at this time.

If no one knows, then the money you have in the bank will become bank's.