How long is there time for fixed deposits?

How to check the fixed deposit in the personal palm bank:

The bank's software, bind yours in the software, and then go to your deposit, and there will be the details of the fixed deposit.

Deposit time, demand.

Nowadays, there are a variety of financial management methods on the market, and everyone will choose financial products that are suitable for them in life.

to finance your own life and earn another life**. In fact, although many financial products outside have high interest rates, the risks are not low, and most people do not touch these financial products when they are uncontrollable.

So don't you manage your money? In fact, bank deposits.

It can also be regarded as a kind of financial management method, such as time deposits and large-amount certificates of deposit.

When it comes to fixed deposits, which are divided into 3 and 5 years, many people will be entangled in the deposit time, so is it better to have a "fixed deposit" in the bank for 3 years or 5 years? It's a loss to make mistakes!

First of all, is it better to have a current account or a regular subscription? The answer is definitely good on a regular basis. Under the premise of safety, our deposits generally give priority to efficiency, and secondly, we also need a certain amount of liquidity to ensure that we need them from time to time.

If it survives, although it can be accessed at any time, and the liquidity is very high, the interest rate is indeed too low, and there is no financial management at all, but it only plays the role of custody by the bank. In accordance with the relevant regulations, the deposit period can still be withdrawn at any time, and there is no impact on liquidity. On the contrary, if there is no special reason in the middle of the process, it can generally be held to maturity.

or withdraw part early, and the remainder can still enjoy the regular interest rate.

As for saving for half a year, a year, or three years? It mainly depends on the period of inactivity of your funds, or investment planning. If the investment plan is vague and unclear, of course, a shorter term is more realistic.

Due to the unclear investment plan, it will inevitably lead to the possibility of early withdrawal, once there is an early withdrawal, the interest will be calculated according to the current interest rate, and more interest will be lost, and there is a feeling that the gains outweigh the losses. However, if the investment plan is very clear and the idle period of funds can be basically determined, it is definitely a 3-year period, because the 1-year interest rate is definitely lower than the 3-year interest rate. Under normal circumstances, even if the total interest is not as much as a 3-year interest even if you save three consecutive years, this is theoretical, and you can calculate it yourself if you don't believe it.

How to balance the contradiction between efficiency and liquidity if the investment plan is not clear? In fact, there is a better way to solve it easily, which is decentralized deposit. There are two forms, one is to divide a fund into multiple deposits, long-term and short-term combination allocation, short-term products are mainly to meet the needs of temporary funds; The second is to transfer and deposit funds that cannot be determined to other third-party financial management platforms, including currency **, and some innovative deposits, which not only have interest rates much higher than current interest rates, but also can be deposited and withdrawn at any time, with strong liquidity and relatively safe.

Through these combination deposits, the contradiction between efficiency and liquidity is effectively solved, so that you are no longer entangled.

Then you buy it at the bank counter, there will be a passbook, you can see the date in the passbook, because you bought it on your mobile phone, you can also see it, as long as you open your app to buy a fixed term and click in, my financial management will have what kind of financial management you bought The date of purchase and the expiration date.

However, you cannot check the fixed deposit slip with your mobile phone, and you can only check it in person at the bank.

OK. In addition to withdrawals, almost all banking services can be completed online, such as transfers, remittances, currency exchange, fixed deposits, loans, tax returns, investments**, ** and various derivative financial products.

You can enquire about fixed deposits in the following ways:

1. Bank counter inquiry.

2. Self-service terminal inquiry, type selection period.

3. Online banking inquiry.

4. Mobile banking inquiry.

Hello this friend, this thing you said is completely fine! It is very convenient to check the fixed deposit on the mobile banking! Rest assured!

If you can find it, you need to log in to the corresponding mobile banking.

Open a fixed deposit.

If you can't find it, select the plus sign in the initial interface, and select Add) Select My Fixed Deposit, if there are multiple fixed deposits, you can select and query one by one, and click on one at will.

How to deposit a fixed term: 1. Open the bank's mobile banking client. 2. Click "Login to Mobile Banking" to log in to Mobile Banking.

3. Enter your mobile phone number and password to log in to mobile banking. 4. Click "Enter Main Menu" to enter the main menu. 5. The "Common Functions" interface will appear, in this interface, click "Fixed Deposit".

6. Click "Deposit Time Deposit".

If you don't want to deposit your mobile phone for a fixed period, you can go directly to the counter of the business hall to handle it.

1. Bring cash and ID cards to bank outlets for fixed deposits. The minimum term of fixed deposits is 3 months, and there are also half-year, one-year, two-year, three-year, and five-year term.

Fixed deposit is a saving method in which depositors agree on the deposit period, deposit the principal in one or periodical installments, 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.

2. Lump sum deposit and lump sum withdrawal: refers to a kind of savings that is deposited in a lump sum and withdrawn 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.

3. Lump sum deposit: refers to a kind of savings with an agreed deposit period, a fixed deposit every 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.

At present, the deposit period of most banks has three months, half a year, 1 year, 2 years, 3 years, and 5 years, and the corresponding deposit interest rate for each term 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 it is withdrawn before maturity, the interest rate can only be calculated according to the current deposit rate for the same period. The interest rate on fixed deposits is the same for each bank and is uniformly set by the People's Bank of China.