If you want to save money, you don t know which bank is suitable for you.

In the first year, I will deposit for three years, for two years in the second year, and then open a passbook in the third year, and then take out the whole year for one year, and then take it out after three years.

The minimum purchase of bank wealth management products is generally more than 50,000 yuan.

Bank**or**Regular Investment. The yield is a little higher than the yield of bank deposits, but there is a certain risk.

The interest rate of fixed deposit and withdrawal is an annual interest rate.

3 months, half a year, 1 year, 2 years, 3 years, 5 years, lump sum withdrawal, early withdrawal, change current period.

It is recommended to do three-month, half-year, one-year lump sum deposit and short-term automatic rollover, and three-month, half-year, and one-year fixed deposit of principal and interest when due.

The interest will be calculated at the latest lump sum deposit and withdrawal interest rate. Deposit and withdraw a lump sum deposit every month for one year, and a fixed term expires every month in the second year.

You can apply for a fixed pass or a bank card. Open online banking with bank card. Handle the whole deposit and withdrawal on online banking.

A regular passbook (passbook) office needs to go to the bank counter on a regular basis.

You can also apply for a bank card at the counter or online banking or mobile banking on a regular basis.

When you go to Shanghai Pudong Development Bank to open an "Easy Wealth Management Card", you can open a three-year term of "Fractional Deposit and Lump Sum Withdrawal Business" on the card, and then choose automatic renewal, and the current account you save will be automatically deducted, and you can only consume the current money, which is equivalent to compulsory saving.

The basic business that all banks can do: fractional deposits and withdrawals, which is the most suitable for this situation, just find a bank close to the unit and few people.

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If you save money, you can save a fixed amount every month, if you can buy ** or buy long-term financial products, each bank has corresponding financial products.

If you have your idea, you can go to any financial institution to handle it, and you can apply for a one-stop pass.

Purely for the convenience of depositing money, it is recommended to handle business at ICBC. ICBC ranks first in the number of business outlets in the country, and ICBC outlets can be found almost anywhere, so you can handle money deposit business anytime and anywhere. It is recommended that you go to some large state-owned banks to save money, such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, etc.

If you care about interest, you can also choose to go to a private bank, whose interest rate is generally higher. It is best to keep money for a long time Bank of China, Minsheng Bank, China Construction Bank, Postal Bank, and Industrial and Commercial Bank of China.

Further Information: The methods of fixed deposits are as follows:

1.Quarter Savings Method.

This method is suitable for small amounts of idle funds that will be used in a year, but the time and amount of use are uncertain. With this method, not only can the interest be much higher than that of a demand deposit, but the amount with minimal loss when using the money can also be withdrawn. For example, if you want to save 10,000 yuan, then divide the 10,000 yuan into four different copies, and then divide it into four one-year certificates of deposit.

In this way, at the annual interest rate for one year, you can earn 330 yuan, which is 300 more than the lifetime interest.

2.Alternate savings method.

The alternating savings method is more suitable for people who have some spare money and will not use it for a year. For example, divide 10,000 yuan into two parts, and then deposit them as fixed deposits for half a year and one year respectively. After half a year, change the maturity deposit to a one-year time deposit, and then set up two one-year deposits for autopay.

In this way, every six months when you need money, you can have a maturity certificate of deposit to withdraw it.

3.Relay savings method.

This method is more flexible than the standby savings method and can be said to completely replace the daily current savings. For example, if you are in the bank and make a demand deposit of 5,000 yuan, you will keep it as a three-month fixed deposit for three consecutive months, so that in the fourth month, the first month's deposit of 5,000 yuan has matured, and from the fourth month, you will have a three-month fixed deposit every month. At present, ICBC's three-month fixed interest rate is, and the current interest rate is.

In terms of profit, the longer the time, the higher the profit. If you can decide not to use it for a long time, you can choose a five-year term.

If you save money for a long time, Bank of China, Minsheng Bank, China Construction Bank, Postal Bank and Industrial and Commercial Bank of China are the best, among which the deposit in ICBC is the best, the main reasons are: ICBC is the largest Chinese-funded commercial bank in China, with about 20,000 to 30,000 business outlets in China, and the advantage of outlets is very obvious, which is one-third more than the second largest bank in China, that is, the outlets of China Construction Bank. At the same time, e-banking is very advanced, and ICBC has an IT team that other banks do not have, which is significantly higher than other banks in terms of e-banking security.

And the counter service is also very perfect, and the charge is also very reasonable. This is because the deposit interest rate of each bank is the same, and the interest is calculated according to the deposit interest rate stipulated by the People's Bank of China. Therefore, you can choose a bank that is closer to home and has a better service attitude to make a deposit.

Precautions for bank deposits

1. Reasonable choice of deposit term: within the cycle of interest rate hike, the term of time deposit should not be too long or too short, and the term of deposit should not exceed one year. For depositors who need money temporarily, it is best to use the monthly storage method, that is, depositors deposit a certain amount of money every month, and all certificates of deposit have the same age, but the maturity dates are 1 month apart.

2. The monthly deposit method can maximize the flexibility of savings, and depositors can withdraw mature or recent certificates of deposit if they need money temporarily, and can reduce interest losses.

3. Attention must be paid to the critical point of time deposit rollover. After the central bank raised interest rates, in order to cope with the adjustment of interest rates, many depositors chose the financial management method of time deposit replacement.

4. If the fixed deposit is withdrawn in advance, the income will be greatly reduced. Under the current savings regulations, if a deposit is withdrawn early, the interest can only be paid at the current deposit rate listed on the date of withdrawal. In this way, if the depositor withdraws the unexpired time deposit early, he will lose an interest income.

The larger the deposit amount and the closer to maturity, the greater the interest loss caused by early withdrawal of the deposit.

It is best to deposit money in ICBC for the following reasons:

1.ICBC is the largest Chinese-funded commercial bank in China, with about 20,000-30,000 business outlets in China! The advantage of outlets is very obvious, which is one-third more than the outlets of China's second largest bank (China Construction Bank).

2.E-banking is very advanced, and ICBC has an IT team that no other bank has, and it is significantly higher than other banks in terms of e-banking security.

3.The counter service is also very perfect, and the charges are also very reasonable.

The four major banks are Industrial and Commercial Bank of China, China Construction Bank, Bank of China and Agricultural Bank of China, because the interest rates are uniformly set by the People's Bank of China, so the deposit and loan interest rates of the major banks in the country are the same, there is no difference between high and low.

Extended Information: 1

1.The interest rate on deposits is the same for all banks. Interest is calculated according to the deposit interest rate set by the People's Bank of China. You can choose a bank that is closer to home and has a good service attitude.

2.The principal amount cannot be increased in the middle of a fixed deposit. But you can open another fixed term account and save your money for a fixed term.

3.When it expires, you can both withdraw the money. It can also be renewed.

If you renew the deposit, you can choose to automatically redeposit when you make the first deposit, so that when the deposit matures, you do not need to go to the bank to renew the deposit, and the bank will automatically redeposit the principal and interest of the deposit at the same fixed term period and the bank's fixed interest rate of the same grade on the day of automatic rollover. If you need money urgently in the middle of the deposit period, you can bring your ID card and deposit certificate to the bank for early withdrawal. However, early withdrawal of interest will result in a loss.

Interest is no longer calculated on a regular basis, but on a current basis.

2. At present, the banks that can make deposits are basically divided into state-owned banks, joint-stock commercial banks, urban commercial banks, rural commercial banks, village and township banks, private banks, and Internet banks. Judging the quality of a bank's deposits should be examined from several aspects such as the bank's security, profitability, liquidity, and service quality. State-owned banks have the highest level of security.

At present, there are six state-owned banks: Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China. As state-owned enterprises, it is an indisputable fact that the assets of the six banks belong to the state, and there will be no risks of one kind or another casually, and the safety factor is always higher than that of local banks.

The interest rate on fixed deposits in small city commercial banks or credit cooperatives is relatively high.

For five-year fixed deposits of small city commercial banks or credit cooperatives, the interest rate of this type of deposit can often be as high as 5% or even as high. If the funds are large and constitute a large-amount certificate of deposit, a large-amount certificate of deposit can be appropriately deposited in a small city commercial bank or credit cooperative.

Because the early withdrawal of large-amount certificates of deposit can be calculated by the file, and the maximum protection of the "Deposit Insurance Regulations" is 500,000 yuan, the risk of bankruptcy and bankruptcy of small city commercial banks or credit cooperatives is greater, if you are worried about this risk, it is best to control it within 500,000 yuan.

The central bank's interest rate on deposits.

After the central bank raised interest rates, the one-year deposit rate was lowered, which means that the interest on bank deposits will be less. In addition, the central bank no longer sets a floating upper limit on deposit interest rates for commercial banks, and the competition among banks has become fiercer.

Short-term idle funds, or idle funds retained after depositing long-term deposits, should be deposited in large commercial banks, because the financial services they provide are more complete and safer.

In terms of earnings, all domestic banks have the same interest rates.

In terms of the safety of funds, most banks are the same.

Therefore, it is recommended to find a bank that is close to home and has fewer people in line.

As for keeping your deposit safe, there are a few suggestions:

1.Try not to do online banking, electronic payment, Alipay, etc., if you must shop online, then it is recommended to open an account with no money, and deposit as much money as you need to pay.

2.Do not divulge your ID card and real name online, because this information may be used by others to open online banking, electronic payment, Alipay, etc., and transfer your money out.

3.Don't get an inexplicable text message, don't get a ** that says so-and-so doesn't want your information. Keep in mind that any bank or any state agency that wants to investigate you will not ask you for your ID number, account number, password, deposit amount, nor will you transfer your deposit to other accounts for any reason.

4.If you do the above, your deposit is highly secure.

The process of deposit: take your ID card (if you don't have an account) to the bank branch, ask for an application form for opening an account for a personal deposit account, fill in the form according to the prompts (generally the bank will post a filling form), if you can't, you can ask the people in the bank. Fill it out to the savings clerk (that is, the person in the glass house), and then they will open an account for you, and then follow the prompts, generally enter the password twice, sign the name once, charge 15 yuan account management fee and production cost, and finally give a card and a passbook (some banks only give one of them), and then you put your money in it OK.

It should be noted that many banks now (such as the Workers' and Peasants' China and the Construction of Diplomatic Relations and other banks) have small account management fees, and if your money is less than 200, the annual interest may not be as much as those fees. In this case, it is best to find a bank that does not charge any fees for opening an account (generally local commercial banks, Shanghai Pudong Development Bank and other very small banks are exempt from account management fees).

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Dear, you can take a look at this. At present, the interest rate on fixed deposits of banks is quite low.

Hello, I would like to inquire about how to deposit this is more cost-effective? Let's say I save 40,000 yuan.

It doesn't make a difference if the amount is small. At present, the interest rate is very low, so the death period is simple and the interest rate is high.

Question: If I have already saved once, how can I continue to deposit when this deadline is approaching?

Question: How to avoid stepping on thunder, that is, some will become financial management, but I don't need financial management, I only need to save a fixed time?

Question: Do I need to take it out to renew it, fill in the face sheet and then save it?

Financial management depends on the individual.

I've bought it 6 percent

This year's annualized interest rate of 10% is average.

So if you're worried about the risk, just keep it fixed, and don't listen to the sales pitch of the staff.

You're welcome, dear! You're welcome!