Can I deposit large certificates of deposit on mobile banking?

Of course. Take the mobile banking of the Agricultural Bank of China as an example, open the mobile banking of the Agricultural Bank of China (the APP version of the Agricultural Bank of China, click the bottom menu "Investment", click the "Large Certificate of Deposit" at the top of the page, enter the details page and follow the prompts to purchase.

Also, like WeBank.

However, if you need to add a large-value certificate of deposit through mobile banking, you first need to sign a large-value certificate of deposit, which can be operated by self-service through mobile banking, or you can hold a debit card that has been linked to mobile banking.

The current account can be signed at the Bank of China branch for large-value certificates of deposit, and then the business of adding, inquiring and withdrawing the full amount of your large-amount certificates of deposit can be handled through mobile banking. Mobile Banking can select the "Large Deposit Certificate" function in "Deposit Management" to "add" and "inquire and withdraw" large value certificates of deposit.

Certificates of deposit (CDs) are generally issued electronically, without paper vouchers, and most people purchase them through mobile banking. Therefore, depositing large certificates of deposit on mobile banking is not only authentic and effective, but also more efficient, convenient and safer. With the mobile Internet.

With the rapid development of all walks of life, online payment and settlement business has become a trend of the times and a microcosm of big data intelligence. It not only greatly improves office efficiency, but also provides users with convenience and safety experience. Commercial banks provide mobile banking APP, but also to build an online financial trading platform, to facilitate the handling of various financial transactions and other services for customers, can stay at home, a machine in hand, all over the world, not only efficient and convenient, but also real and effective, including large-amount certificate of deposit business.

Extended information: When you apply for a large amount of certificates of deposit at the bank, the bank staff will set up a separate "large amount certificate of deposit" account under your bank card, and there may be multiple "sub-accounts" under one bank card, such as: current savings account, time deposit.

Accounts, large certificate of deposit accounts and ****** accounts, etc., the large certificate of deposit account is a "sub-account" under your bank card, and its balance will not be displayed at the ATM, you have to go to the counter, e-banking, and online banking.

Mobile banking and other channels to inquire, which is different from demand deposits! China's large-value certificates of deposit are all issued electronically, and the document given to you by the bank is the certificate of your large-amount certificate of deposit, which is similar to the receipt of time deposits.

With the rapid entry of the Internet and mobile Internet into people's work and life, network data security.

It is also highly valued. As far as electronic data of financial transactions is concerned, the relevant laws and regulations not only have the same legal effect as physical documents, but also financial institutions need to bear the obligation to keep and preserve electronic data to ensure the financial assets of customers.

Safe. World Bank.

Mobile banking for financial institutions.

Started at the beginning of this century, into China has a history of more than 10 years, including the use of mobile banking to purchase large certificates of deposit also has a few years of history, it has proved that it is not only safe and reliable, but also reflects the high efficiency, convenience and environmental protection, worthy of trust.

OK. Take the mobile banking of the Agricultural Bank of China as an example, open the mobile banking of the Agricultural Bank of China, click the bottom menu "Investment", click the "Large Certificate of Deposit" at the top of the page, enter the details page and follow the prompts to purchase.

Summary. Large certificates of deposit in mobile banking are secure. It is safe to deposit large-amount certificates of deposit in mobile banking, which are also deposits, which are products that guarantee principal and interest, and are also protected by bank deposit insurance regulations.

Some users may feel that the deposit interest rate of small banks is high, so they will deposit deposits in small banks, but they are worried about security, in fact, small banks are also protected.

Large certificates of deposit in mobile banking are secure. It is safe to deposit large-amount certificates of deposit in mobile banking, which are also deposits, which are products that guarantee principal and interest, and are also protected by bank deposit insurance regulations. Some users may feel that the deposit interest rate of small banks is high, so they will deposit deposits in small banks, but they are worried about security, in fact, small banks are also protected.

So there's no need to worry about that. 300,000 yuan in mobile banking to deposit a large amount of certificates of deposit and large deposits are the same, it is guaranteed principal and interest, and there will be no risk, so you can rest assured that you can deposit it. However, the threshold for large-amount certificates of deposit is generally more than 200,000 yuan, while large-amount deposits are more flexible, and some banks can only use 100,000 yuan or even 50,000 yuan.

The essence of large-denomination certificates of deposit is still a fixed deposit, which is protected by the deposit insurance system. Different from general certificates of deposit, large-denomination certificates of deposit can be transferred before maturity, with a term of not less than 7 days, a high investment threshold, and the amount is an integer.

China's large-denomination certificates of deposit were officially launched on June 15, 2015 and are denominated in RMB. As general deposits, large-denomination certificates of deposit have higher interest rates than time deposits of the same maturity, most of which are 40% higher than the benchmark interest rate, and a small number of banks are 45% higher, while time deposits generally rise up to about 30%.

According to the Regulations on Deposit Insurance, large-denomination certificates of deposit are included in the scope of deposit insurance as general deposits. Therefore, the risk of large-amount certificates of deposit is very small, unless the bank fails, your deposit exceeds 500,000, and the deposit insurance pays up to 500,000 yuan, otherwise it is guaranteed principal and interest, which is equivalent to a time deposit. Generally, bank wealth management products do not have a rigid payment commitment, and they bear their own risks, and may lose the principal.

Further information: Bank certificates of deposit and large deposits are both time deposits with higher interest rates than ordinary time deposits, and there are five main differences between them:

1. The purchase threshold is different.

Large-denomination certificates of deposit are a kind of high-threshold time deposits, and its purchase threshold is fixed: the minimum purchase threshold for individual investors is 200,000 yuan, and the minimum purchase threshold for corporate investors is 10 million yuan. Large deposits are also time deposits with a higher threshold, but different banks have different rules on the purchase threshold.

Some banks will stipulate that more than 50,000 yuan is a large amount, and some banks will stipulate that more than 100,000 yuan is a large amount. The threshold for large deposits is lower than for large certificates of deposit.

2. Different issuance methods.

Before issuing the first issue of large-denomination certificates of deposit each year, banks need to report to the central bank for the whole year's issuance plan, and if they need to adjust the issuance plan later, they need to re-file. Therefore, if the bank's large-denomination certificates of deposit are sold out for a fixed period of time, they can only wait until the next issue to buy them, and the bank cannot arbitrarily adjust the issuance plan for the current year.

If the bank wants to distinguish customers from different asset classes and set a tiered interest rate, then it can issue large deposits.

3. The liquidity is different.

There are three ways to rely on the file for the early withdrawal of some large-amount certificates of deposit: one is to rely on the file of the large-amount certificate of deposit, the other is to rely on the file of the bank-listed time deposit, and the third is to rely on the file of the central bank's benchmark interest rate.

Large deposits are the same as ordinary time deposits, and early withdrawal can only be calculated according to the interest rate of demand deposits, even if it is only one day short of maturity, and the liquidity is much weaker.

4. The interest calculation method is different.

There is no single way to calculate the interest of large-denomination certificates of deposit, there are one-time repayment of principal and interest at maturity, monthly interest payment and principal repayment at maturity, quarterly interest payment and principal repayment at maturity, and annual interest payment and principal repayment at maturity. The interest rate on a large certificate of deposit (CDs) that pays interest on a monthly basis will be lower than the interest rate on a large CD that pays the principal and interest in a lump sum. There is only one way to calculate the interest on a large deposit, and that is to repay the principal and interest at maturity in a lump sum.

5. The term is different.

There are 9 maturities for large CDs, including 1 month, 3 months, 6 months, 9 months, 1 year, 1 and a half years, 2 years, 3 years and 5 years. There are 6 types of maturities for large deposits, including 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years.

It can contain acres or more.

Personal Certificates of Deposit (CDs).

After maturity, interest will be paid according to the interest rate announced by the bank for the period of large-amount certificates of deposit, and the deposit will be automatically transferred. Personal large-value certificates of deposit that are not issued with paper deposit receipts will be automatically redeemed after maturity and the balance of the bank's bank card will be credited to the bank; Individuals who have been issued with paper deposit receipts (receipts) need to go to the bank counter in person to withdraw them after expiration.

If you withdraw to another bank's bank card, you can choose to transfer funds to other accounts. Or withdraw cash and deposit directly at the counter of another bank.

Extended: Withdrawal rules for large certificates of deposit.

In addition to withdrawal at maturity, large certificates of deposit can also be withdrawn in advance. However, there are certain conditions for early withdrawal. First of all, there is a specified limit on the number of withdrawals and withdrawals, some banks do not stipulate the number of times, some banks allow one early withdrawal, and some banks allow two or three times.

Second, there is a minimum amount of retention for early withdrawals. If you choose to withdraw early, the bank will require the remaining amount to meet the minimum deposit amount. Suppose you deposit a large amount of 300,000 yuan in certificates of deposit, you either withdraw 100,000 yuan in advance, and the remaining 200,000 yuan or close the account, and withdraw all of them in advance, but you can't withdraw 150,000 yuan in advance.

Finally, early withdrawal should also pay attention to whether the interest is calculated by the file. Early withdrawal depends on the file to calculate interest, and it is more cost-effective to get a higher interest than the current account.