Will the bank notify the depositor when the one year dead date of the deposit in the bank will expir

The bank will not notify the depositor after the expiration of the one-year period of the bank deposit. If it is not withdrawn on the day after maturity, it will be automatically rolled over to the same fixed term as before.

Fixed deposit refers to the form of savings in which the depositor agrees with the bank on the term of the deposit and withdraws the principal and interest at maturity. Fixed deposit interest rates.

Higher than demand savings, but less flexible, early withdrawal is calculated at the current deposit interest rate. In time deposits, the longer the deposit period, the higher the interest rate, but the longer the closed period of the deposit, so it is necessary to consider the use of funds. Fixed deposits can be withdrawn in advance, but interest will be calculated and paid at the current interest rate for early withdrawal; Fixed deposits that do not have automatic rollover will be converted to current deposits upon maturity.

Extended Resources:

1. Deposit method

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

Lump sum deposit and withdrawal: It is a kind of fixed savings in which the customer chooses the deposit period, deposits the whole sum, and withdraws the principal and interest at maturity.

Second, the service characteristics

1. Higher stable income: the interest rate is higher, and the interest rate is proportional to the length of the term; ** When there is a big fall, the bank becomes a safe haven;

2. Worry-free and convenient: with the function of automatic transfer of lump sum deposit after maturity, customers can transfer the deposit in the account to time or maturity to current account through a variety of transfer channels provided by the bank, and customers can also flexibly manage the principal and interest, deposit period, deposit form and so on of their own lump sum deposit through the agreed rollover function;

3. Flexible funds: When customers need capital turnover and the lump sum deposit in the bank is not due, they can pledge the lump sum deposit on the account through self-service loan to obtain a personal loan.

Financing; Partial early withdrawal can be made once, but the early withdrawal part will be calculated according to the interest rate of the current deposit listed on the day of withdrawal;

4. Low minimum deposit amount: The minimum deposit amount in each currency is as follows: RMB 50, foreign currency: Hong Kong dollar.

50 yuan, yen.

1,000 yuan, other currencies are 10 yuan for the original currency;

5. Multiple deposit term options: RMB deposit term options: 3 months, 6 months, 1 year, 2 years, 3 years and 5 years; Foreign currency deposit tenor: 1 month, 3 months, 6 months, 1 year, 2 years.

Hello, ordinary fixed deposits are not notified by the general bank. Unless there are several special circumstances: first, there is a card that can be used for fixed use, if it is automatically transferred back to the current account after the expiration of the period, and your current account has an SMS notification, then there will be a short message.

Second, if you have a large amount of savings, then your bank wealth manager may notify you of the information that is due on a regular basis for marketing purposes.

The minimum period for a bank dead period (i.e. fixed deposit) is generally 3 months.

1. The time of bank fixed deposit is related to the deposit method. In the case of one-time deposits and withdrawals, the minimum fixed time is three months. If it is a fixed method such as zero deposit, full zero withdrawal or principal and interest withdrawal, the minimum time is one year.

Different deposit methods have different interest rates. The interest rate can only be calculated according to the current deposit interest rate for the same period.

2. In addition, the minimum deposit period of RMB deposits in banks is 3 months, the maximum is 6 months, 1 year, 2 years, 3 years, etc. The minimum deposit period for foreign currency deposits is 1 month, the maximum is 3 months, and the maximum is 6 years. months, 1 year, and 2 years.

Renminbi deposits are between demand and 3 months. One is called call deposit, which is divided into one-day deposit and seven-day deposit. It can be automatically transferred to the deposit in 7 days, starting from 50,000.

Further Information: 1) The minimum deposit period for bank fixed deposits is three months. At present, most banks offer fixed deposit terms of three months, six months, one year, two years, three years and five years, and the corresponding deposit interest rate for each maturity is also different.

For the same deposit amount, the longer the deposit period, the less flexible it is, but the higher the interest earned on the deposit. However, if the withdrawal is not due, the interest rate can only be calculated at the current deposit rate for the same period. The interest rate on fixed deposits is the same for all banks, which is uniformly set by the People's Bank of China.

2) Deposits can be categorized in a variety of ways. For example, according to the mode of generation, it can be divided into original deposits and derivative deposits, according to the maturity, it can be divided into demand deposits and time deposits, and according to different depositors, it can be divided into corporate deposits and individual deposits (taking China as an example). Personal deposits are resident savings deposits, which are the currencies deposited by individual residents in banks.

Financial deposits. Banks are the first people of the treasury, and all financial receipts and expenditures must be handled through banks (see Treasury System). Fiscal revenues and expenditures are often inconsistent in time.

In the case of collecting first and then disbursing, the temporarily unused funds form financial deposits. Corporate Deposits. This is the temporary idle monetary funds generated by state-owned enterprises, supply and marketing cooperatives, and collective industrial enterprises due to the inconsistency between sales revenue and various expenditure times.

It also includes various special funds that have been withdrawn but not used by the enterprise, the most important of which are the depreciation funds of fixed assets, as well as the retention of profits.

Summary. Hello, dear, yes, the bank can deposit the dead period.

Hello, dear, yes, the bank can deposit the dead period.

The dead period is a fixed deposit in the bank, which can be processed at all banks.

That is to say, if you put it in, it will not be easy to take it.

Banks can handle fixed deposits with a tenor of 3 months to 5 years.

No, you can withdraw it in advance.

Fixed deposits can be partially withdrawn once in advance, or withdrawn in full.

If the withdrawal is made in advance, the principal amount of the withdrawal part will be subject to interest at the current interest rate, not the regular interest rate.

It is okay to withdraw in advance, but the interest rate calculation method is different and has no other impact.

I want to save it, but it's hard to take it out. Save for five years.

Good to take out.

If it can be withdrawn in advance, it will be deposited for 5 years.

This one has no effect.

For example, if you have a deposit of 200,000 yuan for five years, you need to use 50,000 yuan to withdraw 50,000 yuan after a week, and the bank will settle the interest on you according to the current interest rate of the 50,000 yuan. The remaining 150,000 is still a 5-year fixed interest rate, and you will be settled with regular interest when the 5-year maturity expires.

But if you withdraw 50,000 yuan in advance and then withdraw again, the bank will ask to withdraw all 150,000 yuan at once.

Fixed deposits can only be partially withdrawn once in advance. The second time, you will be asked to take out all of them and settle the interest at the current interest rate.

This is not difficult to withdraw, it is easy to withdraw.

Fixed deposits can be made for a minimum period of 3 months and a maximum of 5 years, with options of 6 months, 1 year, 2 years and 3 years. In terms of income, it is at least 5 times more than that of the current account, and some banks with a 5-year term can reach about 5%.

Extended information: What are the types of deposits.

Deposit is a kind of investment asset of customers, in addition to call deposits, bank deposits also include demand deposits, time deposits, and fixed deposit deposits.

1. Demand deposit:

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

The advantage of demand deposit is that it can be deposited and withdrawn at any time, and it is very flexible, and you can use your bank card to deposit and withdraw RMB cash at bank outlets and self-service devices across the country. But the interest rate on demand deposits is very low, and the annual interest rate is only.

2. Deposit stupid money regularly:

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.

There are four types of fixed deposits:

1) Lump sum deposit: divided into 3 months, half a year, 1 year, 2 years, 3 years, 5 years and so on, deposit a sum of money at a time, and repay the principal and interest at one time after maturity, the longer the term, the higher the interest. If you don't have a file, you can withdraw it in advance when it expires, but the interest will be calculated according to the current deposit.

2) Lump sum withdrawal: divided into 1 year, 3 years, 5 years and 3 grades, a certain amount of money is fixed every month, and the principal and interest are repaid once at maturity.

3) Deposit principal and interest: the grade is the same as above, deposit a sum of money at a time, receive interest month by month, and repay the principal when due.

4) Education savings: It is a special kind of fixed savings deposit, which is aimed at students in the fourth grade (including the fourth grade) and above, with a deposit period of one year, three years and six years, and the maximum principal amount is 20,000 yuan.

3. Fix two pennies:

Fixed two-pence deposit refers to a savings deposit in which the customer does not agree on the deposit period, and the deposit can be withdrawn at any time, and the interest rate changes with the length of the deposit period.

The flexibility of the fixed deposit is larger, the income is slightly higher than that of the current deposit, the deposit period is not agreed, and the interest is calculated at a 6% discount at the interest rate of the same grade for the fixed deposit and lump sum withdrawal within one year.

The bank has a dead period, and the so-called dead period is the deposit product of the bank for the whole deposit and withdrawal, and the fixed deposit period of the whole deposit and withdrawal generally includes: 3 months, 6 months, one year, two years, three years and five years. The interest rate of the dead period of different deposit periods is not the same, and generally the longer the deposit period, the higher the interest rate.

Lump sum deposit: a lump sum deposit, a lump sum withdrawal, a lump sum withdrawal, this type of savings is suitable for investors who have already saved enough funds.

At least 50 yuan is deposited at a time, and the whole deposit is withdrawn: if 120 yuan is deposited, the deposit period is one year, and the monthly interest rate is assumed.

is 3%, and after one year there is 120 * 3% * 12 = interest.

If you have deposited the death period in the bank, if it is stored in a bank card, you can find it on the mobile banking; Also, if you purchase a large certificate of deposit with a bank card.

You can also see it; If there is a regular passbook.

, the regular passbook cannot be opened with mobile banking hidden friends, so you can't see it. In addition, if you buy a bank card that does not have a mobile phone branch open, you will not be able to see it.

The period of death generally refers to the whole deposit and withdrawal, and the term of the whole deposit and withdrawal is generally ranging from three months to five years.

If you want to buy a bank, you can go directly to the bank to buy it, and you need to bring a valid ID card and bank card to the bank counter for processing. If the investor knows how to operate, he can directly deposit a fixed deposit on the mobile banking, and find the lump sum deposit and withdrawal. At the time of the deposit and death period, investors should choose the appropriate period according to the idle time of the funds, because of fixed deposits.

Once deposited, if you want to withdraw it early in the future, then it can only be calculated according to the current interest.

If investors consider the liquidity of funds, they can try the bank's call deposit.

or special deposits, etc., these deposits generally rely on the file to calculate interest, even if it is withdrawn in advance, the corresponding level is also calculated according to the regular interest.

Hello, bank deposits can be withdrawn at any time! Because the money is yours! Even if you have a dead date, you can still take it, but the interest is calculated according to the current period.

Bank fixed deposits.

When it expires, it is withdrawn on the same day, not the next day.

Fixed Deposit After the maturity of the fixed deposit, how to deal with it:

1. If you don't want to continue to deposit, you can withdraw the money from the bank, and the bank will settle the interest at one time and return the principal at the same time;

2. If you want to continue to deposit, you can ignore it, the bank will automatically transfer the deposit by default, that is, according to the original deposit period, and then deposit for a fixed period.

On the maturity date, the bank will automatically settle the interest, and the interest earned and the original amount will be combined into a new principal and transferred to the next deposit period.

According to the deposit interest rate of the same period listed by the bank on the date of transfer.

Calculate the interest for the next tenor.

The fixed deposit can be withdrawn on the maturity date.

If the money is not withdrawn on the maturity date of the fixed deposit, the bank will automatically combine the due principal and interest into a new principal and deposit another fixed term at the official listed interest rate at that time.

This is very worry-free, because most people will forget to roll over when it expires, so it's good to have an automatic rollover this way. Of course, it can also be withdrawn, but in this way, the interest rate of the deposit period is calculated according to the current interest rate.

Extended Materials. Quite a few banks of online banking.

Self-service time deposit business can be provided, but the reporter found that if the online banking customer does not make a special request, its self-service time deposit is likely to be automatically transferred by the bank, that is, the fixed deposit will be automatically renewed to the next fixed deposit cycle when it expires, and most banks do not support some early withdrawal of fixed deposit on online banking.

Take a state-owned bank.

For example, the bank provides an online banking fixed deposit maturity automatic rollover service, after setting the agreed rollover period of the fixed deposit, the system will incorporate the after-tax interest into the principal for automatic rollover on the maturity date of the fixed deposit.

After the automatic rollover, if you need to withdraw the fixed deposit, except for the maturity date and the date of transfer, it will be paid in advance. Financial planner Huang Rui reminded that in order to avoid the automatic transfer of deposits to the next certain deposit period after maturity, it is recommended that citizens communicate with the bank to cancel the automatic transfer function before choosing online banking for deposits.

After the maturity of the online banking fixed deposit or it is automatically transferred, the function can be deactivated first.

It is not advisable to do so, this situation is purely regular. There is basically no way to withdraw a fixed deposit in advance, even if you want to cancel it, you need to wait for a while to cancel, and there is no way to withdraw it on the same day.

Yes, normally speaking, after the dead period is a fixed deposit, the bank does not recommend withdrawing it in advance, because once you want to withdraw money in advance, it means that you cannot enjoy the interest rate loss of the fixed deposit at all.