What is Off site Deposit and Withdrawal? Can I withdraw money from a fixed deposit in another place?

Depositing or withdrawing money in a place other than your bank card is a different place and a different place is a remote deposit and withdrawal.

If you have a bank card of "Industrial and Commercial Bank of China", you can deposit and withdraw money where there is Industrial and Commercial Bank of China, which is the scope of different places.

For example, you have a card in Beijing.

As long as you use your card to make deposits and withdrawals outside of Beijing, it is a remote deposit and withdrawal.

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

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

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.

Further information: Regular savings is a way for you to deposit the principal in one lump sum or in installments or installments at the time of deposit, and withdraw the principal or interest in one lump sum or in installments. Regular savings can be divided into the following types:

Lump sum deposit, lump sum deposit, lump sum deposit, principal deposit and interest, fixed deposit and call deposit. Access varies depending on the type.

Fixed deposits can be withdrawn in other places, and users need to pay a certain handling fee for RMB fixed deposits in other places, with a minimum of 2 yuan and a maximum of 50 yuan for each transaction. There is no fee for local withdrawals. Here's how to do it locally:

1. 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;

2. 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;

3. For partial 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.

What are the classifications of regular savings?

1.Lump sum deposit and lump sum time deposit.

Lump sum deposit is a service that stipulates the deposit period at the time of deposit, deposits the principal at one time, and withdraws the principal and interest in whole or in part.

Starting amount and deposit period: The minimum deposit is 50 yuan, and the deposit period is divided into three months, six months, one year, two years, three years and five years.

2.Lump sum fixed deposit.

Lump sum deposit refers to the service of customers depositing a fixed amount on a monthly basis and withdrawing the principal and interest at maturity.

Starting amount and deposit period: Minimum deposit of RMB 5 for small deposits, and no limit on multiple deposits. The deposit period is divided into one year, three years and five years. The deposit amount is set by the customer and is deposited once a month.

3.Time Deposit.

Deposit principal and interest withdrawal refers to the business of depositing the principal of the deposit at one time, agreeing on the deposit period and interest withdrawal period, and withdrawing the principal at the maturity of the deposit and withdrawing the interest in installments.

Starting amount and deposit period: Minimum deposit of 5,000 yuan for fixed deposit with interest and withdrawal. The tenor of a fixed deposit is divided into 1 year, 3 years and 5 years.

The interest withdrawal date of the deposit and interest withdrawal time deposit shall be agreed upon by the customer when opening an account, and the interest can be withdrawn once a month or several months; The interest shall not be withdrawn in advance before the interest withdrawal date; If the interest is not withdrawn on the interest date, the interest can be withdrawn at any time in the future, but the compound interest is not calculated.

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.

OK. At present, the three types of time deposits provided by banks are bank card time deposits, time deposit 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 exchanged through the deposit and exchange, it can only go to the account opening outlets to handle withdrawal, if it is the passbook of the deposit and exchange, the bank also supports the business, then you can handle the deposit or withdrawal at the national outlets.

3. Fixed deposit certificate: If the account opening status is not through the deposit and exchange, you can only go to the account opening outlets to handle withdrawal, 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.

Legal analysis: 1. Bank cards are allowed, but certificates of deposit are not.

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

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.

Legal basis: "Law of the People's Republic of China on Commercial Banks" Article 29 Commercial banks shall follow the principles of voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors in handling personal savings deposit business.

Commercial banks have the right to refuse any unit or individual to inquire, freeze, or deduct personal savings deposits, except as otherwise provided by law.