What should I do if the fixed deposit is not rolled over when it expires, and it is overdue for a lo

When reporting the loss of the passbook (slip), you should provide your identity document, the name of the account to be reported as lost, the type of deposit, fill in the "Application for Loss Report" in triplicate, and provide as much detail as possible the account balance, account opening institution, account opening time, address, reservation**, date and amount of recent deposits and withdrawals and other deposit account information of the account to be reported as lost. According to the information you provide, the bank handling staff can accept the application for loss report after checking that the deposit has not been withdrawn or frozen and the payment has not been frozen, and the loss report will take effect.

Once a certificate of deposit is stolen or lost, regardless of whether the certificate of deposit is expired or not, the applicant should immediately apply to the original depository bank for reporting the loss with his/her ID card or work permit and other legal documents, as well as the type, account name, account number, amount, date of deposit, etc. of the certificate of deposit. It is important to note here that the depositor's own ID must be presented.

According to the bank's regulations on savings deposits, only the depositor himself can report the loss of the certificate of deposit, and no other person has the right to report the loss. If you forget to bring your documents or bring them incorrectly, the bank will not be able to report the loss. At the same time, care should be taken to provide the exact elements of a certificate of deposit.

If the elements are complete and accurate, the bank will quickly find the back card, so as to control the deposit from being fraudulently claimed. If the elements are incomplete or incorrect, the bank will not be able to find the card you want in a large number of cards, and the deposit will not be effectively controlled. If a certificate of deposit is lost, especially if it is a certificate of deposit that has expired, it is necessary to rush to the bank to report the loss before the offender, so as not only to protect your deposit from damage, but also to do your best to combat criminal activities.

If the time deposit is not withdrawn at maturity, it will not affect the deposit, and the bank will roll over the principal and interest according to the previous deposit period without any limit on the number of times. During the renewal period, the interest rate will be calculated according to the previous deposit rate, and if the deposit is renewed for less than one deposit period, the interest will be calculated according to the current interest rate on the date of withdrawal. Individual banks will still be different, if it is China Merchants Bank, the interest will be transferred to the current period, and the principal will continue to be transferred.

Extended information: Fixed deposit is a more conservative way to save money, investors can choose to continue to redeposit when time depositing, so that the deposit will continue to accrue interest according to the previous fixed interest after maturity. If the investor does not choose the rollover function, the funds will be automatically transferred to the investor's current account after maturity, and the details can be queried at that time.

In addition, large-amount certificates of deposit are also time deposits, but the principal and interest will be automatically returned after the maturity of large-amount certificates of deposit, and the funds will not be transferred.

Withdrawn on the maturity date of the fixed deposit:

Fixed deposits can be withdrawn on the maturity date. Fixed deposits can be withdrawn as soon as they mature, and there is no need to withdraw them after the maturity date.

On the maturity date, customers can choose to bring their ID cards and deposit certificates to bank outlets for withdrawal, or they can choose to withdraw directly on online banking and mobile banking.

However, if you withdraw after the maturity date, the interest on the funds will be calculated according to the current interest rate in the days after the maturity date. Of course, fixed deposits can also be withdrawn in advance, but if you withdraw in advance, the interest on part of the withdrawn funds will also be calculated according to the current interest rate.

Also, if you don't plan to withdraw it, you can also transfer it. In fact, as long as the customer submits an application to the staff for automatic rollover at maturity at the time of deposit, the bank will automatically transfer the deposit principal and interest to the second deposit period after the customer's fixed deposit matures. Moreover, there is no limit to the number of rollovers, and the interest on the renewal period will be calculated according to the interest rate of the previous maturity date.

1. Do not withdraw the time deposit when it expires: If you do not withdraw the time deposit when it expires, the principal of your deposit and the maturity interest of the settlement will be converted into a demand deposit, which can be withdrawn from the bank at any time, there will be no risk, but the demand interest will be relatively low.

2. If you have configured a fixed deposit and agreed in advance to automatically roll over the fixed deposit, even if you do not take it out at maturity, the bank will automatically convert the principal and settlement interest of the previous fixed deposit into a new fixed deposit, and the listed interest is relatively high.

Extended Information I. How to Enquire about Certificates of Deposit.

1. Bring the bank card and depositor's ID card to the bank counter for inquiry, or handle withdrawal and other services;

2. If you open online banking and associate it with your bank card, you can use your bank card to find out the fixed deposit in the relevant machine, and you can also find the fixed deposit in the online banking.

II. Introduction to Fixed Deposit Certificates 1. Fixed Deposit Certificates refer to the deposit certificates issued by financial institutions to depositors when depositors deposit funds into financial institutions for a certain period of time. The CD must state the amount, start and end dates, and interest rate. The amount of money will be repaid to the depositor at maturity, together with the principal and interest.

There are two types of certificates of deposit: negotiable certificates of deposit and non-negotiable certificates of deposit. 2. Certificates of deposit refer to the fact that each deposit is based on a certificate of deposit, recording a foreign exchange currency, clearly indicating the value date, maturity date, deposit type, deposit period, currency, amount and interest rate of the deposit; There is a corresponding blank line at the bottom of each deposit receipt, which is used to record the withdrawal of deposits, and the deposits and withdrawals are clear at a glance.

3. Negotiable certificates of deposit, referred to as certificates of deposit, refer to the certificates of time deposits issued by banks that are negotiable for the repayment of holders. The certificate contains the amount and interest rate to be issued, as well as the date and method of repayment. If the maturity of the certificate of deposit exceeds 1 year, interest can be paid in the middle of the period.

In the New York money market, certificates of deposit are usually denominated at $1 million, with maturities ranging from 30 days to 5 or 7 years, usually 1-3 months. Payment will be made on the maturity date.

Certificates of Deposit. If you don't withdraw it when it expires, the bank generally rolls over it automatically.

If the customer's fixed deposit certificate is not withdrawn after maturity, the bank will automatically accrue interest on the customer's unwithdrawn deposit and withhold interest tax.

After that, the original deposit principal and after-tax interest will be automatically converted to a time deposit of the same type and grade at the maturity interest rate.

There is no need to agree with the bank in advance when making a deposit, and the deposit will be automatically rolled over after the maturity of the certificate of deposit. Even if the deposit is in the state of loss reporting and freezing, the system will automatically transfer the deposit, avoiding the loss of interest to the customer.

If you choose automatic rollover when you make the first deposit, the bank will re-deposit according to the original deposit term after maturity, and the interest will be calculated on a regular basis. However, if it is withdrawn in advance during the rollover process, the interest will be calculated according to the current account.

Bank transfers arrive at the account from time to time, and the amount depends on the inter-bank, 1 hour for more than 50,000 yuan, and 6 hours for less than 50,000 yuan. If it is with the Agricultural Bank of China.

For inter-bank remittance, the funds are deducted from the Agricultural Bank of China card in real time. As for the arrival time, it depends on the processing speed of the receiving bank, generally within 1 to 2 working days, and the transfer of agricultural bank transfer is very fast, and it can be reached within half an hour. If it is a Zhixian inter-bank transfer, the time will be longer, but it will not exceed 24 hours at the latest.

Savings deposit refers to the deposit of RMB or foreign currency belonging to a resident into a savings institution, and the savings institution issues a passbook.

Or the certificate of deposit is used as a certificate, and the individual can withdraw the principal and interest of the deposit by virtue of the passbook or certificate of deposit, and the savings institution pays the principal and interest of the deposit in accordance with the regulations.

Savings deposit is a deposit formed by the public depositing the income that is temporarily not used in the current period into the bank. Depositors of savings deposits are generally limited to individuals. Traditional savings deposits cannot be paid by cheque and can earn interest.

This type of deposit is usually issued by the bank to the depositor as a passbook as a certificate for deposit and withdrawal. The passbook of a savings deposit is not negotiable, transferable and cannot be discounted.

The development of savings business can, to a certain extent, promote the adjustment of the proportion and structure of the national economy, gather funds for economic construction, stabilize market prices, regulate currency circulation, guide consumption, and help the masses make arrangements for their lives.

If there is no agreement on automatic rollover or agreed rollover, and the principal and interest are combined into a new principal after maturity, the interest will be calculated according to the current interest rate listed by the bank on the maturity date.

To put it simply, if there is an agreement on automatic rollover or an agreement on rollover at the time of deposit, the passbook.

Or there will be an agreement logo on the card.

If you choose automatic deposit, you can make a fixed deposit.

After the withdrawal is not withdrawn at maturity, the principal and interest of the previous period will be converted into a new principal and re-deposited according to the first deposit and deposit method; If the agreed transfer is made. If the time deposit is not withdrawn at maturity, the interest will be calculated according to the demand deposit interest rate after maturity. Under normal circumstances, the principal and interest will be re-deposited according to the agreed deposit method and deposit amount after maturity.

Further information: Regular automatic rollover means that after the maturity of the customer's deposit, if the customer does not go to the bank to go through the rollover procedures, the bank can automatically transfer the principal and interest of the mature deposit according to the same deposit period, without any limit on the number of times, and the interest during the renewal period is calculated according to the interest rate of the previous maturity date.

When you open a certificate of deposit, you can choose whether to "automatically roll over" or "not rollover" after the time deposit matures. Customers who require this need to indicate in the "Auto Rollover" field. The default rules of "automatic rollover of fixed deposits" are not exactly the same for each bank, and ICBC needs depositors to choose by themselves, and China Everbright Bank.

By default, depositors require automatic rollovers. If you don't want to roll, you can explain it to the staff.

Maturity transfer method:

That is, every time the account matures, the interest will be automatically deducted from the interest tax.

if any) to the principal.

Account Closure Settlement:

The final interest is calculated when the account is closed.

Comparison of the two ways:

The first way is to mature, that is, you deposit a one-year fixed deposit to generate 50 quick money at maturity.

The interest, you do not withdraw when due, when you sign the contract, it is renewed regularly, and the 50 interest you generate is transferred to the principal, and the interest is also calculated in the second year.

The second way does not have this part of the compound interest, but the premise is that you sign a contract for regular renewal, if you do not sign a contract, you will not withdraw it at maturity according to the current interest rate, and the interest due in the first year of Orange Oak will not be calculated as the principal.

Advantages of account closure and settlement: it can reduce the pressure on the system, reduce the time at the end of the day, and reduce the amount of garbage data.

Disadvantages of account closure settlement: special treatment of this product is required when the account is cancelled, special treatment is required when the details are ascertained, and special treatment is also required when the account is withdrawn, and the statement is also required.

When special treatment is required, special treatment is required for the interest list.

If the customer requests to withdraw the deposit after the renewal period, the interest of the deposit will be calculated according to the current interest rate on the date of withdrawal during the renewal period.

For example, if a customer deposits a one-year time deposit of A, and the customer does not request to withdraw or divert the deposit for other purposes after the maturity of the deposit, the bank will automatically deposit A-dollar and the interest accrued by A-dollar in the current year into a one-year time deposit. If the customer requests to withdraw the principal and interest at the time of one year and five months, the interest rate will be five months during the renewal period.

Calculated based on the interest rate on the day of withdrawal.

Fixed deposits can be withdrawn before maturity, but the interest on the withdrawn part is settled at the current interest rate.

The bank stipulates that the early withdrawal of fixed deposits can be divided into two types: partial and full withdrawal. You can make partial early withdrawals according to your actual needs, so that the interest on the remaining deposits can still be calculated according to the deposit date, original interest rate and original maturity date of the original certificate of deposit. Dead (fixed) deposits can be withdrawn (in advance).

The bank can withdraw the fixed term before it expires, but the interest on the amount withdrawn is settled at the current interest rate; In addition, if you pay with a password, you can withdraw money without using your ID card.

1. Operation method: I can withdraw the fixed deposit in advance by bringing the original ID card and passbook of the head of the account to the bank counter.

2. Precautions:

1. ** person agent: the original ID card of the ** person and the original ID card of the owner of the passbook must be held;

2. If the unexpired time deposit is withdrawn in advance, the interest cannot be calculated according to the regular period, but the fixed term*, which is almost calculated according to the interest of the current deposit.

1. 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.

2. The deposit period is three months, six months, one year, two years, three years and five 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.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal. With my fixed deposit certificate, I can apply for a small pledge loan.

3. For unexpired fixed savings deposits, depositors must present the certificate of deposit and the identity certificate of the depositor if they withdraw in advance; 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.

4. For unexpired fixed savings deposits, depositors can withdraw part of them in advance according to their needs, and the verification procedures remain unchanged, and the interest rate withdrawn in advance shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be paid according to the original deposit date and the original interest rate when withdrawn at maturity. If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that have been paid and the newly opened deposit receipts for the retained part.