I would like to know what it means to deposit and withdraw in whole sums? Thank you!

Fixed savings is a way in which depositors agree on the deposit period when depositing, deposit the principal in one or installment at a time, and withdraw the principal or interest in one lump sum or in installments or installments. Fixed 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.

Lump sum deposit and lump sum withdrawal: refers to a kind of savings that is deposited in a lump sum and withdrawn at maturity with principal and interest at maturity. Minimum deposit of 50 yuan, no limit on more deposit. The deposit period is divided into three months, six months, one year, two years, three years and five years.

The procedures for opening a deposit account are the same as those for current accounts, except that the withdrawal voucher given by the bank to the depositor is a certificate of deposit. In addition, depositors must provide identity documents when withdrawing in advance, and if they withdraw on behalf of others, they must provide not only the identity documents of the depositor, but also the identity documents of the person who withdraws them on their behalf. This deposit can only be partially withdrawn once.

The interest is calculated according to the agreed interest rate at the time of deposit, and the interest is paid off with the principal. Please refer to the interest rate table for specific interest rate standards.

Lump sum deposit: refers to a kind of savings with an agreed deposit period, a fixed deposit per month, and a one-time withdrawal of principal and interest at maturity. Generally, the minimum deposit is $5 per month. The deposit period is divided into 1, 3 and 5 years.

The account opening procedure is the same as that of current savings, except that the amount at the time of account opening must be renewed every month. The procedures for early withdrawal shall be handled in accordance with the procedures for lump sum deposit and withdrawal of fixed savings deposits. Generally, the minimum deposit is 5 yuan, and it is deposited once a month, and if there is any omission in the middle, it should be made up in the next month.

Interest is calculated based on the actual deposit amount and the actual deposit period, please refer to the interest rate table for the specific interest rate standard.

Lump sum deposit and withdrawal: refers to a kind of savings in which the principal is deposited at one time and the principal is withdrawn in installments. The procedures for opening a deposit account are the same as those for current accounts, with a minimum deposit of $1,000 and a withdrawal period of one month, three months and six months. It is agreed between the depositor and the bank deposit institution at the time of account opening.

Interest is payable at maturity and is shown in the interest rate table for the specific interest rate standard.

Principal deposit and interest withdrawal: refers to a kind of savings that agrees on the deposit period, deposits in a lump sum, withdraws interest in installments, and withdraws the principal at one time at maturity. Generally, it is a minimum deposit of 5,000 yuan. The deposit period is divided into three years and five years.

Interest is withdrawn from the passbook every month, and the principal is withdrawn at maturity. The procedures for opening and withdrawing accounts are the same as those for current deposits, and the procedures for early withdrawal are the same as those for regular lump sum deposits and withdrawals, and the specific interest rate standards are shown in the interest rate table.

Fixed and two-pence: refers to a kind of savings that can be withdrawn at any time without having to agree on the deposit period when depositing. Generally, the minimum deposit is 50 yuan. The account opening and withdrawal are the same as the current savings deposit.

Call deposit: refers to a deposit method in which the depositor notifies the bank in advance when withdrawing without agreeing on the deposit period. The minimum deposit amount is $1,000, which can be withdrawn by depositors in one lump sum or in installments.

The bank will give interest at a 6% discount according to the amount withdrawn, the actual deposit period and the interest rate grade of the same period listed on the date of withdrawal.

The so-called fixed savings is a kind of depositors who agree on the deposit period when depositing, deposit the principal in one or on a regular basis, and withdraw the principal or interest in one lump sum or in installments or installments.

Lump sum deposit refers to a savings method in which depositors agree on the deposit period, monthly fixed deposit, and withdraw principal and interest at maturity when making bank deposits. Fractional deposits are generally deposited at a minimum of five yuan per month, deposited once a month, and if there is any omission in the middle, it should be made up in the next month, and the deposit period is generally divided into one year, three years and five years; The interest calculation of the lump sum deposit is calculated according to the actual deposit amount and the actual deposit period, and the specific interest rate standard is implemented according to the interest rate table; The procedures for opening an account for a lump sum deposit are the same as for current savings, except that they must be renewed every month according to the amount at the time of account opening, and the procedures for depositors to withdraw in advance shall be handled in accordance with the relevant procedures for lump sum deposits and lump sum time savings deposits. The interest rate for a lump sum deposit is generally 60% of the interest rate for a fixed deposit in the same period.

Lump sum deposit is a kind of fixed deposit, which refers to a monthly fixed deposit (minimum deposit of 5 yuan), the amount of the deposit is determined by the depositor, and it is deposited once a month, and the deposit period is divided into three types: one year, three years and five years. If the depositor does not make up the amount in the following month, the interest will be calculated according to the actual deposit amount and the actual deposit period when withdrawing at maturity.

For example, after the depositor handles the lump sum deposit business, he can deposit 10 yuan in the first month, 8 yuan in the second month, 50 yuan in the third month, and 5 yuan in the following months.

A lump sum deposit is equivalent to a piggy bank, where a certain amount of funds are deposited every month, and when it is necessary to withdraw, it is withdrawn at one time. The characteristics of the lump sum deposit are that the deposit is hidden and withdrawn month by month, which is suitable for depositors with a fixed balance every month, and can be exchanged at all outlets of the bank.

If the depositor wants to manage the money, but his own funds are small, and he can take out no less than 5 yuan of funds every month to deposit, then the depositor can handle the business of small deposit and withdrawal. Fractional deposit and lump sum withdrawal are generally used in conjunction with lump sum deposit and withdrawal, which can achieve the effect of "rolling profits".

It is a more efficient way to save by depositing the interest generated by the lump sum deposit into the deposit and withdrawal account, and generating interest with the interest.

Lump sum deposit refers to the deposit business that is deposited once a month, the deposit amount is determined by the depositor, and the deposit is withdrawn at one time after maturity. Loose deposits are generally deposited at 5 yuan per month, and if there is any missing deposit in the middle, it should be made up in the next month, and the deposit period is generally divided into one year, three years and five years. The interest rate for a lump sum deposit is generally 60% of the interest rate for a fixed deposit in the same period.

When users make deposits in the bank, the common deposit methods are current and fixed, usually the more the deposit amount and the longer the time of the fixed deposit, the higher the deposit interest rate given by the bank, but the flexibility is poor, although it can be withdrawn in advance, but the interest will be calculated according to the current interest rate.

When handling deposits, the way of deposit is determined according to the length of idle time, but the income obtained from bank deposits is not very high, if users want to get more income, then you can consider the wealth management products launched by the bank, but you will face certain risks when investing in wealth management products.

Wealth management products launched by banks generally have a closed period, during which users cannot withdraw in advance, which requires users to use their personal spare money to invest in wealth management products. Then there is the different risks faced by different wealth management products when investing, and the risks faced by wealth management products with high returns are generally high.

Summary. The meaning of the lump sum deposit is a bank savings method, which refers to the fixed deposit of scattered deposits in the bank, the term of the fixed deposit is generally more than one year, according to the agreed deposit amount and deposit period, the bank will give a certain interest rate return. The biggest feature of the lump sum deposit is that the scattered deposits can be effectively integrated to achieve the effective use and management of funds.

At the same time, due to the long term of fixed deposits, it can help savers develop good savings habits and improve their financial planning capabilities. The minimum deposit amount is generally $100, which is suitable for the savings of scattered funds.

Kiss Fractional deposit means a bank savings method, which refers to the fixed deposit of scattered deposits in the bank, the term of the fixed deposit is generally more than one year, according to the agreed deposit amount and deposit term, the bank will give a certain interest rate return. The biggest feature of the zero deposit difference settlement is that it can effectively integrate the scattered deposits to achieve the effective use and management of funds. At the same time, due to the long term of fixed deposits, it can help depositors develop good savings habits and improve their financial planning capabilities.

The minimum deposit amount is generally $100, which is suitable for the savings of scattered funds.

At the same time, due to the relatively high interest rate of the lump sum deposit, it can help depositors obtain a brighter return on the allocation. However, it should be noted that the term of the deposit is long, and if the deposit needs to be withdrawn in advance, it may incur a certain amount of liquidated damages or interest losses. Therefore, when choosing to deposit and withdraw the whole amount, it is necessary to make reasonable planning and selection according to your actual situation.

Lump sum deposit is a type of fixed deposit.

Fractional deposit is a basic type of bank fixed savings, which refers to a saving method in which depositors agree on a deposit period, a fixed deposit every month, and a one-time withdrawal of principal and interest when making bank deposits.

Fractional deposits can be withdrawn in advance, early withdrawals are calculated according to the current interest rate, and the current profit interest rate is about 10, and the disadvantages to be noted are that all the early withdrawals need to be withdrawn, and it is recommended to take them out at one time after expiration.

Classification of Fixed Deposits:

1. Whole storage and rent refers to the whole take:

The customer chooses to deposit the whole amount after the deposit period, and then withdraws the principal and interest at maturity.

2. Fractional deposit and withdrawal:

The customer agrees on the deposit amount in advance, and then deposits it according to the agreed amount month by month, and withdraws the principal and interest after maturity.

3. Whole deposit and zero withdrawal

The customer agrees on the deposit period in advance, deposits the whole amount at one time, and then withdraws the principal in installments and the interest at maturity.

4. Deposit and interest:

The customer deposits the principal in a lump sum, then withdraws the interest in installments, and then withdraws the principal at maturity.

5. Fix two pennies:

The customer does not agree on the deposit period in advance, and the deposit is made at one time and withdrawn at one time. <>

Lump sum deposit is a type of savings, which refers to depositing a certain amount of money in the bank in installments on a regular basis, with the same amount in each installment and the same deposit period, and the principal and interest can be withdrawn after maturity.

This type of savings is suitable for those who have a fixed deposit plan and needs, which allows them to earn a certain amount of interest income with a lower risk. In a lump sum deposit, the depositor needs to determine the deposit amount, deposit period and deposit period when opening an account, which cannot be changed once confirmed. During the deposit period, the depositor cannot withdraw the deposit money at will, and if it needs to be withdrawn in advance, it needs to pay a certain amount of liquidated damages or loss interest.

Interest rate for small deposits and withdrawals:

The interest rate of the lump sum deposit is determined according to the bank's deposit interest rate, so the interest rate of the lump sum deposit and withdrawal may vary from bank to bank and at different times. Generally speaking, the interest rate of the bank's fractional deposit and withdrawal will be higher than the interest rate of demand deposit and time deposit, but it will also change due to the influence of market interest rate, inflation and other factors. In addition, different deposit periods and deposit amounts will also have an impact on the interest rate of the lump sum deposit, generally speaking, the longer the deposit period and the larger the deposit amount, the interest rate that can be obtained will be increased accordingly.

The specific interest rate information of the lump sum deposit can be obtained through the official ** of major banks or consult the customer service of the bank. <>