Is it safe to deposit a fixed deposit into a card or a passbook?

If you talk about it from the security aspect, in my personal opinion, save money to passbook.

It's safer than depositing it in a bank card. Here's why:

1.Bank cards are more likely to be stolen by others, while passbooks are not. For example, the cardholder did not pay attention when swiping the card to pay, and was illegally cashiered.

Copy the card information, and peep at the payment password and then change the bank card and then smuggle it. Another example is that a fake person creates a fake refund webpage on the Internet in the name of refund, order confirmation, etc., and asks online shoppers to re-enter their bank card numbers by QQ and other means.

and the verification code in the name of deception of the mobile phone verification code, and then steal the bank card funds.

2.There is no risk if the passbook is lost, so there is no need to worry too much. Because we know that after the loss of the bank card, we must report the loss to the bank in time, when you happen to have a bank day off and cannot report the loss, you will be very anxious, because you may encounter the behavior of stealing money.

But if you accidentally lose your passbook, you don't have to worry about whether the money will be taken away, because even if you lose the passbook, others will not be able to get the money, you just take the time to go to the bank to handle it, and there will be no risk.

3.The passbook PIN is rarely known, and the bank card is more at risk. Because the Internet technology is very developed, many people will use some means to obtain your bank card password and other information.

However, the passbook number will not be disseminated on the Internet, because there is no need or value for them, and even if they know it, it will have no effect. From this point, it can be reflected that bank cards are more risky, and passbooks are relatively safer.

Extended information: Matters for the safe use of bank cards: 1. Pay attention to cover with your hands when depositing or withdrawing money and entering the password. 2. Try to choose a self-service bank with a prominent mark, and use the ATM machine under the bank's video surveillance.

3. Do not lend your bank card to others, and do not disclose your bank card number and password at will. 4. When swiping the card for consumption, do not let the bank card out of sight, pay attention to the number of card swipes of the cashier, and check whether the amount on the purchase order is correct and whether it is your own card when you get the purchase order and the card. 5. Open the mobile phone SMS service, grasp the changes in the account, and call the bank immediately to report the loss once you find abnormal transactions.

Just as safe. Because no matter where it exists, it is actually stored in the bank, just recorded on what medium, if the bank fails (to be honest, for large banks, the probability is almost zero), the deposit within 500,000 can be paid in full, if it encounters **, the security of the two is basically no different! Because, the key is not to be deceived!

Both are the same and safe. The difference is that the deposit on the passbook is very intuitive, which makes people feel more down-to-earth and psychologically safer.

It's all the same, there should be no bank card or passbook is safer, it is stored in the bank, but it is more convenient to store in the bank card, the bank card can be operated on the ATM, and the passbook can only be operated at the counter.

The passbook is more secure, and the card information age is becoming more and more sophisticated. I think the traditional way of saving money is safer.

It's all the same. The card is more convenient, the passbook is better, and it is more convenient to count.

Normally, both are safe.

However, the passbook is also relatively safe.

It is safe under normal circumstances.

A bank fixed deposit is a certificate of deposit, which is a certificate of deposit and a passbook is a passbook, which is different from the three.

From a common sense point of view, it is safer to keep money in a passbook.

Nowadays, bank cards are very popular, basically most people have a bank card in their hands, whether it is their salary, or the expenditure or income of money in daily life, it has a great impact on their bank card.

With the rapid development of the Internet era, many mobile phone payments need to be bound to their own bank cards, and they also need to enter their own information into the system so that the system can pay smoothly. When bank cards were not popular, the network was not particularly developed at that time, so everyone's basic information was mastered by themselves, and personal information was not collected on the Internet, so it was difficult for personal information to be used by people with intentions, and personal information in that era was very safe.

But in this day and age, the Internet is developing rapidly, and people are able to access more information on the Internet, and at the same time, they can buy the items and goods they want. When you want to buy, you need to bind your bank card, and when you bind your own information, someone may be snooping on your privacy in the network.

In the process of binding, more people may steal personal information, so when shopping on the Internet, you must pay attention to your information security, do not expose your privacy to the public network at will, and do not click on various links at will, so that criminals can take advantage of it.

At the moment, I think the passbook is more secure than the bank card, after all, the passbook is paper, and you can only keep your money in the passbook, and the payment method on the Internet does not need the information on the passbook. Although bank cards are easy to use, many young people are not easy to grasp in their hands, and they may spend all their money unintentionally.

Nowadays, it is easy to steal the funds in the consumer's bank account, so if your money is not urgent, you can deposit your money in the passbook, which is also considered to protect the money.

I think it's safer to keep your money on a bank card. Nowadays, the use of bank cards is very popular, so it is possible to ensure safety, but it is difficult to recover the money if you store it in the passbook if you accidentally lose it.

Normally, it is safer to have a passbook, because there is a risk of bank bankruptcy in the bank.

Safe, the funds in the usual bank card are stolen, only current, and they cannot be withdrawn when they are done regularly; Convenient, as long as a card, no need to carry a passbook. If you need to withdraw in advance, you can use your card to apply at the ATM or at the counter.

Expansion: 1. Deposit refers to the funds or currency that the depositor temporarily transfers the right to use to the bank under the condition of retaining 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.

2. Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits. The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

3. The interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit when withdrawn at maturity, and the interest shall be calculated according to the current savings deposit interest rate on the date of withdrawal for early withdrawal, and the interest shall be calculated according to the interest rate of the current deposit on the date of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate. For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

Safe. Fixed deposits are safe. Taking the lump sum deposit and withdrawal as an example, the customer can choose the deposit period, deposit the whole sum, and withdraw the principal and interest at maturity.

You can also enjoy a higher stable income, with a higher interest rate, and the size of the interest rate is proportional to the length of the term. When there is a big fall, banks become safe havens. Moreover, it is also worry-free and convenient, with the function of automatic transfer after the maturity of the lump sum deposit, and customers can transfer money through a variety of channels provided by the bank.

Customers can also flexibly manage the principal and interest, deposit period, and deposit form of their lump sum deposits by agreeing on the rollover function. The lump sum deposit and withdrawal funds are flexible, and the customer needs capital turnover when the lump sum deposit in the bank is not mature.

You can use self-service loans to pledge the lump sum deposits on the account and obtain personal loan financing. Partial early withdrawal can be made once, but the early withdrawal will be calculated according to the interest rate of the current deposit listed on the day of withdrawal. You can also freely choose the deposit period, and the RMB deposit period can be selected from three months, six months, one year, two years, three years and five years; The tenor of foreign currency deposit is 1 month, 3 months, 6 months, 1 year, or 2 years.

Definition. Fixed deposit refers to a form of savings in which the depositor deposits cash into a fixed savings account opened by a banking institution, agrees in advance to save for a fixed period of time, obtains a return at an interest higher than that of the demand deposit, and can receive the principal and interest after the maturity of the deposit.

A fixed deposit is the money or currency that the depositor temporarily transfers the right to use to the bank under the condition that the depositor retains ownership, and is the most important source of credit funds for the bank.

If the depositor withdraws the fixed deposit before the agreed savings period, the bank will usually handle the transaction in the form of a demand deposit. Depositors are often required to notify the bank one day in advance to request an appointment for withdrawal before they need to withdraw a large amount of deposit, in case the bank has enough cash to make the payment.

How to ensure the security of using the card.

Take good care of your bank card and ID card, and if you find that your bank card is lost, it is best to go to the bank immediately to report the loss and reissue a new card. Even if the bank card is picked up by someone else after the loss is reported, it is only a waste card, and try not to use a password that is easy to guess such as birthdays when setting a password, and 123456 such an overly simple password.

When using a bank card at ordinary times, you should pay more attention to precautions, and try not to use a bank card for consumption in non-compliant places or POS machines. There is no need to worry about the bank leaking personal information, the bank teller computer is displayed with * characters when entering the password for the bank's business, and the depositor suffers losses due to the bank's reasons, and the responsibility is all on the bank's side.

Nowadays, many older people don't know how to manage their money, so choosing a bank dead date is the safest way. As long as you choose the death period, whether it is on the card or the passbook, it is just as safe, after all, the property in your name is safe no matter what way.

The dead passbook card is as safe as the passbook, because the bank card and passbook are both bank accounts, and passwords, ID cards, and bank card passbooks are required to withdraw money, and they only have different degrees of ease of use. In general, bank cards are more convenient to use than passbooks. The card can be used for online banking, counters and other channels for business; Discounts can only be applied at bank counters and are subject to bank opening hours.

It is generally recommended that users use a bank card to make a fixed deposit because it is more convenient to use. After investors open e-banking, they can make deposits and withdrawals in e-banking. A fixed certificate of deposit is a term and interest rate agreed in advance between the bank and the depositor.

For deposits with a lump sum repayment of principal and interest after the term, the interest rate of fixed deposits shall be floating according to the benchmark interest rate of the People's Bank of China. For withdrawals, interest on early withdrawals will be calculated at the current interest rate. At the moment, interest rates are around and around, and early withdrawals are not cost-effective.

OK. Fixed deposit refers to a common deposit method in which the depositor agrees on a deposit period at the time of deposit, deposits the principal once or more times, and collects the principal and interest once at maturity or in installments or installments. There are various deposit types such as one-time deposits and one-time withdrawals.

Depositors can choose to deposit in the form of a lump sum deposit and a lump sum deposit. This way, they can continue to deposit money into the account for different periods of time.

If you lose the list of the survival period, you can still take it.

The depositor himself goes to the bank to report the loss, and he can withdraw it after one week.

If the bank fixed deposit slip is lost, the depositor should immediately bring his ID card and other legal documents to apply to the original deposit bank to report the loss, and at the same time provide the type, account name, and other elements of the fixed deposit receipt to avoid being fraudulently claimed by others.

In general, bank deposits are safe, and their deposits can be found in the bank's back-office system, as long as the money is their own, as long as they have documents, the money is still their own.