When you deposit money, the procedures are very fast, and when you get the money, there are a lot of

There are two kinds of money in the bank: one is the concept of funds, that is, how much money there is in the bank account, whether it is in the bank card or the money on the deposit certificate or passbook; The second type is cash, which is what we usually call banknotes. There is no restriction on the transfer in and out of funds, and it is very large to see the transfer of 38.9 billion yuan, and the transfer of 35 billion yuan at one time, without any stagnation.

So,Withdrawing the existing limit or not being able to withdraw cash does not mean that the bank has no money, it just means that the cash in the bank does not reach the amount you are requesting to withdraw.

In order to prevent your application funds from being restricted by cash withdrawals, it is recommended that you use bank transfer methods to manipulate when you need to deposit or transfer out large amounts of funds

First, there is no limit on the amount of money transferred in and out, as long as you have enough funds in your bank account, you can transfer a few amounts you want, which simplifies the trouble of withdrawing large amounts of cash;

Second, there is no trouble in withdrawing and depositing large amounts of cash, after all, it is troublesome to withdraw large amounts of cash, and simply through checks, online banking or mobile banking can solve the transfer of large amounts of funds; The third is the application of transfer business manipulation, which can be solved through online banking and mobile banking, without running to the bank, and it saves the insecurity and danger in the process of large cash deposit and withdrawal.

Some people may think that the restriction of bank cash withdrawal is because of interests, not necessarily in reality, but more from the perspective of security and ordinary application, after all, large cash withdrawals are not generated every day, and if you prepare a lot of cash every day, it is also a kind of extravagance of funds.

After all, the bank's deposits are to pay interest, and the bank's cash is short-term interest-bearing assets and does not produce any income, so each bank will have a certain amount of cash to grasp and manage. Of course, it is also for the insecurity of the existence of large quantities of cash transportation and storage.

Because if you save money, the bank can use it for investment and financial management, and you need working capital when you withdraw it.

Because when you withdraw money, you have to confirm various identities or something, which is more troublesome.

The procedure will be more troublesome only when the amount of money is relatively large.

The reason for this may actually be that he only wants your money to be in the bank, but he doesn't want to give it to you.

It is to prevent any accidents when withdrawing money, which will lead to a decrease in money.

This is a normal thing, because many of China's achievements are so troublesome.

This is because the bank must be stuffing money into it, and it is easy to take money out.

This may have a lot to do with the normal procedures of the bank.

Maybe the banks are trying to improve their system, to make people's money safe.

I don't think it's possible, don't you think so?

For the early withdrawal of three-year treasury bonds, according to the different holding periods, the loss of interest is different, taking electronic treasury bonds as an example: if you have held electronic treasury bonds for half a year or more but less than 2 years, the interest will be deducted for 6 months; If you have held electronic treasury bonds for 2 years or more and less than 3 years, 3 months of interest will be deducted; If you have held electronic treasury bonds for 3 years or more but less than 5 years, you will be deducted 2 months of interest, and at the same time, investors often need to pay a certain handling fee according to about 1 of the principal amount redeemed.

Investors who hold certificate-type treasury bonds for less than 6 months and redeem them in advance are non-interest-bearing and charge 1% of the amount as a handling fee; If the certificate treasury bonds have been held for more than half a year but less than 2 years, 6 months of interest will be deducted; If the certificate treasury bond has been held for 2 years or more but less than 3 years, 3 months of interest will be deducted; If the certificate treasury bond has been held for 3 years or more but less than 5 years, 2 months of interest will be deducted.

For example, if an investor buys a three-year electronic treasury bond of 100,000 yuan, the interest rate is that it is withdrawn after holding it for two years, and the interest income it loses = 100,000 yuan.

The formula for calculating the interest received by the investor is: interest Early redemption amount Execution interest rate The actual number of days held from the previous interest payment date to the early redemption date The actual number of days in the current interest-bearing year.

In short, on the premise of not rushing to use the money, it is better for investors not to withdraw treasury bonds in advance.

Income = principal * interest rate * term, when the annualized income of a product is 5% and the principal is 10,000 yuan, the total income of the product = 10,000 yuan * 5% * 1 = 500 yuan, and the monthly income is: 500 12 42 yuan.

The annualized rate of return refers to the average rate of return in the past year, investors should pay attention to the annualized rate of return or the 7-day annualized rate of return when investing, the difference between the two is quite large, and the 7-day annualized rate of return refers to the data obtained after the average return of the past 7 days is annualized.

If you don't have a credit card or have a low credit card limit, you can continue to use Huabei.

If you have a credit card and the credit card limit is high, you can gradually give up using Huabei and use a credit card instead, firstly, you can avoid Huabei's credit investigation, and secondly, you can increase the credit limit by using a credit card frequently, increase your credit in the bank, and obtain a higher limit and high-quality service.

Therefore, it should be analyzed according to the specific situation, according to the individual's financial situation.

In general, continue to use.

If the credit card limit is high, you can switch to a credit card.

Pay attention to the money you go to the bank to withdraw money, I also just know, tell my family after reading it, it's not too late, great life tips, life tips, life tips, I hope it can help everyone, thank you!

In the absence of an ID card, minors are generally not allowed to bank business, but there are some banks that can use their accounts to handle deposits and withdrawals for minors. Go to the bank to fill in the "Account Opening Application", the content is nothing more than name, gender, date of birth, ID number (ID card, passport, military ID, driver's license, etc.), address, **, zip code, etc. Generally, there are four types of account opening types: passbook (current), deposit certificate (fixed), savings card or discount card with the same account, all of which can set passwords.

Passbooks and deposit slips can only be handled at the counter, while savings cards can be handled at the counter or ATMs.

According to the latest regulations of the People's Bank of China and the China Banking Regulatory Commission, minors and persons with full capacity for civil conduct cannot apply for credit cards, and minors can only use the supplementary card of the credit card, and cannot apply for the main credit card alone.

If you use a bank card (debit card or credit card) with the "UnionPay" logo, you can use the "UnionPay" logo to operate services (including deposits, withdrawals, transfers, account inquiries, etc.) at ATMs with the "UnionPay" logo. Bank cards (debit cards or credit cards) with the "UnionPay" logo can be used to make purchases or check account balances at the POS machines of merchants that have joined "UnionPay".

Whether it is operating at a bank counter, an ATM, or a POS machine in a store, the first requirement is to ensure that the passbook or card cannot be lost, dropped, or the password cannot be leaked. This is a requirement to keep your own funds safe. Try not to use your bank card at an ATM in the middle of nowhere, so as not to be stolen by criminals who have installed a theft machine on the ATM and steal your account information.

When swiping the credit card to consume, try not to let the card out of your sight to avoid being dropped, and it is best to set a password for the credit card to avoid being stolen after being lost or stolen. Do not put the bank card and the certificate together, so as to avoid being unable to report the loss of the bank card in time and being used to steal the account funds after being lost together. The account password must not be too simple, so as not to be taken by others.

There are many more ideas to be put into account.

1.When you go to the bank, you must bring your ID card. If you don't have an ID card yet, you can use your household registration book to make a deposit. However, it is troublesome for users to open an account and withdraw a large amount of cash, and they must have an ID card.

2.The staff will explain the specific content to you, such as name, ID number, amount, type, etc. However, given your situation, you probably can't get a credit card, and the credit card needs to prove your repayment**.

3.Credit cards have an annual fee, but they all have an annual fee waiver policy. It is best not to withdraw cash from your credit card, and if you can't return it on time, the interest rate is very high.

4.It seems that the handling fee for inter-bank cash withdrawal has not been canceled yet, as long as you are willing to pay the handling fee, any bank's ATM can be used.

When you go to the bank to make a deposit, you will need to bring your ID card regardless of the bank. The content to fill in is basically the same, including name, ID number, home address, zip code, contact**, etc.; After depositing, some bank passbooks and cards are available, such as Bank of Shanghai, and some banks you can choose cards or passbooks, such as: China Construction Bank, Industrial and Commercial Bank of China, etc.; To apply for a credit card, you don't need money, but you have to provide some materials such as proof of income or real estate, car, etc., if the credit card has an annual fee, you will generally be exempted from the annual fee after 5 consumptions.

When you make a deposit, the bank will let you choose whether to withdraw money with a password or withdraw money with an ID card, and now you generally have to choose a password to withdraw money, so when you go to the bank or ATM to withdraw money, you can bring your bank card, and the password you know is sprinkled. When withdrawing money from the ATM, it is necessary to pay attention to the amount of money withdrawn each time, for example, Bank of Shanghai is 2,000 yuan per withdrawal, China Construction Bank, Industrial and Commercial Bank of China, etc. withdraw 2,500 yuan each time, and there are also limits ranging from 20,000 to 25,000 within 24 hours. As long as your bank card has it"UnionPay"The words can be withdrawn at the ATM, but the inter-bank withdrawal fee is charged, generally 2 yuan per transaction, when withdrawing money, pay attention to security, and go to the regular ATM to withdraw, one party is deceived, cover it with your hand when entering the password, after withdrawing money, you must remember to withdraw the receipt of the money, which is to print the list, must be taken away, go home to save, or destroy.

Just bring your ID card, but some banks require a copy of your ID card!

Passbook or credit card The choice is yours!

You must bring your bank card with you when you withdraw money.

ICBC cards can be used to withdraw money from ATMs at other banks.

The only bank card that is easy to deposit and difficult to withdraw money is a credit card. A credit card is a non-cash transaction payment method and is a simple credit service. It is issued to the cardholder by the bank or credit card company according to the user's creditworthiness and financial resources, and the function is that the cardholder does not need to pay cash when spending with the credit card, and the repayment will be made on the settlement date.

Credit cards do not support deposit interest, that is to say, if there is too much money deposited into the credit card, then there is no interest, no matter how much money is saved, no matter how long it is saved, it is not interest-bearing.

Whether the credit card is deposited with its own money or the amount overdrawn by the credit card itself, as long as it is withdrawn, at least 1%-3% of the cash withdrawal fee will be charged, and from the date of withdrawal, a high fee of 5/10,000 interest will be charged every day until all the arrears are paid off.

In the past, there was Ping An Bank, and there was no handling fee for withdrawals from banks across the country. But now it's starting to collect money. Inter-bank is not supported, and the bank is free of handling fees across the country, and there are restrictions.

It seems that there are no banks that don't charge fees anymore. The following are found: Hengfeng Bank, Bank of Liuzhou, Shizuishan Bank, Chongqing Three Gorges Bank, Guilin Commercial Bank, Guangdong Huaxing Bank, Huarong Xiangjiang Bank, Bank of Chengdu, Yongheng Bank, Chang'an Bank, Changsha Bank, Mianyang City Commercial Bank, Changjiang Commercial Bank, and also launched the "global withdrawal free" initiative, that is, as long as the withdrawal of money is made at ATMs with the UnionPay logo around the world, there is no need to pay withdrawal fees.

No matter what bank you go to to withdraw money, you should pay attention to these 2 points when withdrawing money! Hurry up and remind the family.