How to open a certificate of deposit, how to open a certificate of bank deposit

The applicant should bring his or her valid identity certificate, deposit certificate, passbook, bank card, and treasury bond certificate to any bank outlet for the business and fill in the "Bank Deposit Certificate Application Form".

If you are unable to come for any reason, you can also authorize another person to handle this business on your behalf. In addition to the documents specified above, the person should also hold the authorization letter of the authorized person and the valid identity certificate of the person himself.

Proof of deposit refers to the issuance by the bank of a certificate to the depositor to prove the depositor's deposit balance at a certain point in time or the amount of deposit incurred in a certain period, and to prove that the depositor has a deposit balance that cannot be used by the bank at a later point in time.

Operation guide: 1. When applying for a certificate of deposit, you need to present the following information: deposit certificate (deposit certificate, passbook), personal identity document (resident ID card, temporary ID card, household registration booklet, passport, soldier ID, military officer ID, civilian cadre ID, police officer ID, military or armed police retired cadre honor certificate, military retirement certificate, civilian cadre retirement certificate, military academy cadet certificate, Hong Kong and Macao residents to and from the Mainland, Taiwan residents to and from the mainland, Foreign border residents entry and exit permits and other personal deposit real-name identity documents stipulated by the People's Bank of China, etc.); If you entrust another person to do the service on your behalf, you should also present the agent's personal identity document.

Types include: 1. The types of certificates of deposit include:

1) The balance of deposits at a certain point in time before the issuance of the certificate (only the balance of yesterday and before, not the balance of the current day) or the amount of deposits incurred in a certain period;

2) At the time of issuance of the certificate, there is a deposit balance that cannot be used by our bank before a certain point in the future (not more than one year). Please apply for a certificate of deposit according to your actual needs.

Personal proof of deposit.

1. For those who need to apply for multiple deposit certificates for studying abroad, multiple deposit certificates can be issued for the same deposit with the same certificate content, but the recipients can be the same or different.

2. For the deposit to prove a certain point in time or a certain period, under the condition that the accumulation does not exceed the total amount of deposit, a partial deposit certificate can be issued according to the customer's needs.

3. A handling fee ranging from RMB 10 to RMB 20 will be charged for each "Personal Deposit Certificate" or each personal deposit early release and stop payment business.

Legal analysis: You can go to any network outlet with your valid ID card and deposit receipt. If you entrust another person to apply for the deposit certificate on your behalf, the entrusted person must present the valid identity documents of yourself and the depositor.

1. Issuance method: The applicant should bring his or her valid identity certificate, deposit certificate, passbook, bank card, and treasury bond certificate to any bank outlet for the business and fill in the "Bank Deposit Certificate Application Form". If you are unable to come for any reason, you can also authorize another person to handle this business on your behalf.

In addition to carrying the above documents, the person should also hold the authorization letter of the authorized person and the valid identity certificate of the person himself 2, charging standard: the applicant in the same savings outlets, a number of accounts in different currencies can be required to issue the corresponding number of deposit certificates, each deposit certificate charges a handling fee of RMB 20 3, the validity period: the date of the bank to issue the certificate of deposit is the date on which the customer handles this business, and the deadline for the stop payment of the deposit involved in the application for the issuance of the certificate of deposit is determined by the applicant, and indicated by the applicant on the application form, if the date filled in is the same day, the deadline is the date of issuance 4, deposit type:

Certificates of deposit used for the certificate of deposit business can be used by the customer in the bank branches, institutions, local and foreign currency certificates, current certificates of deposit, passbooks, deposits in various bank cards, and certificate-type treasury bonds.

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.

Proof of deposit. You can go to the bank counter to get it.

Proof of deposit refers to the certificate issued by the bank to the depositor, which proves the depositor's deposit balance at a certain point in time or the amount of deposit in a certain period, which can prove that the depositor has a deposit balance that cannot be used by the bank at a certain point in time.

Deposit refers to the depositor's temporary transfer or storage of funds or currency in a bank or other financial institution under the condition of retention of ownership, or the temporary transfer of the right to use the funds or currency to a bank or other financial institution, which is the most basic and important financial act or activity, and is also the most important credit fund of the bank**. Deposits are one of the most basic operations of a bank, and without deposits there is no loan, and there is no bank. Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the way they are generated, and demand deposits according to the maturity.

and fixed deposits, which can be divided into unit deposits and individual deposits according to the different depositors. Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

A demand deposit is a bank deposit that can be accessed and transferred at any time by the depositor without any prior notice.

It can be in the form of a checking deposit account, a certified check, and a cashier's check.

Traveller's cheques and letters of credit, etc. Demand deposits account for the largest part of a country's currency** and are also an important fund for commercial banks**. Demand deposits not only have the functions of a means of payment and circulation of money, but also have a strong ability to derive, which is the focus of commercial banks' operations.

Time deposits are also known as "certificates of deposit". 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. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

There are two types of fixed savings deposits: lump sum deposit, lump sum deposit, principal deposit and interest, and lump sum deposit and withdrawal.

Individual customers can choose any of the channels of the Bank's online business hall, online banking or mobile banking to initiate an application for opening a certificate of deposit by themselves. 1.Open the Bank's mobile banking and log in, click the "Deposit" icon, enter the deposit page and click the "Deposit Certificate Opening" page

2.After entering the certificate of deposit opening page, the system will automatically display all the balances (including the part of the gold increase) under the individual's name that can be applied for the opening of the certificate of deposit, and you can check one or more of the required and enter the amount of the certificate. Individual customers can choose any of the channels of the Bank's online business hall, online banking or mobile banking to initiate an application for opening a certificate of deposit by themselves.

1.Open the Bank's mobile banking and log in, click the "Deposit" icon, enter the deposit page and click the "Deposit Certificate Opening" page

After entering the certificate of deposit opening page, the system will automatically display all the balances (including the part of the gold increase) under the individual's name that can be applied for the opening of the certificate of deposit, and you can check one or more of the required and enter the amount of the certificate. Individual customers can choose any of the channels of the Bank's online business hall, online banking or mobile banking to initiate an application for opening a certificate of deposit by themselves.

Open the Bank's mobile banking and log in, click the "Deposit" icon, enter the deposit page and click the "Deposit Certificate Opening" page。 2.After entering the certificate of deposit opening page, the system will automatically display all the balances (including the part of the gold increase) under the individual's name that can be applied for the opening of the certificate of deposit, and you can check one or more of the required and enter the amount of the certificate.

If the bank determines that the party concerned has opened an account with the bank and has deposits, it will issue a certificate of deposit for the party according to the application of the party, which is generally required for study, tourism, family visits, and staff.

The freezing time needs to depend on the situation: 1. If the party has a certificate of deposit for studying abroad. The freeze is based on the requirements of the embassy, usually months, although the requirements vary from country to country.

In the case of an embassy with low requirements, the deposit certificate can be frozen for at least 1 month.

2. If the party concerned applies for a large amount of deposit certificate for engineering. Then the time that the parties need to freeze is agreed with Party A, usually 3 months to 5 years, mainly according to the construction period, completion progress and other factors. However, according to the requirements of some large projects, the minimum freezing time of the certificate of deposit is 3 months.

The certificate of deposit may be issued by the party concerned at the bank where the deposit is located, and bring his or her own identity certificate, bank card, passbook and other materials. If the bank determines that the party concerned has opened an account with the Bank and has deposits, it will issue a certificate of deposit for the party in accordance with the law according to the application of the party.

Agricultural Development Bank of China Accounting Business Operating Rules (Trial)" first jokes about the basic provisions of an expense account. (4) The depositor of the temporary deposit account can handle the transfer and settlement through this account, and can also handle cash receipt and payment in accordance with the provisions of the national cash management regulations. (6) The basic deposit accounts opened by depositors shall be subject to the account opening permit system, and temporary deposit accounts, special accounts and general accounts shall be reported to the local People's Bank of China for the record.

Article 2 Account Opening Operation. (2) Account opening procedures 1. Basic deposit account. (1) After receiving the account opening application, seal identification card, business license (or supporting documents), ** certificate, etc. submitted by the applicant, the account bank shall sign the opinion on the application form after verifying its completeness, authenticity and legality, and report the account opening application and other account opening materials to the People's Bank of China for approval in the current round of promotion.

The basic deposit accounts opened by depositors shall be subject to the system of opening a hail account, and temporary deposit accounts, special accounts, and general accounts must be reported to the local People's Bank of China for the record. Article 2 Account Opening Operation.