How long does it take to convert from a dead account to a current account?

For unexpired fixed savings deposits, depositors need to withdraw and convert them into current deposits in advance, and must present the certificate of deposit and the identity certificate of the depositor. If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher. For unexpired fixed savings deposits, depositors can withdraw part of them in advance as needed, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate. If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that have been paid and the newly opened deposit receipts for the retained part.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

Ping An Bank's fixed deposit was converted into a demand deposit, and the transfer was successfully transferred out and received in real time.

Whether the expiration is automatically copied to the survival period account is a regular expiration, which can be automatically transferred to the survival period, and can be withdrawn directly. If you choose to automatically roll over, you will automatically roll over the time deposit with principal and interest, and there is no allocation to take it, but to place the self-cultivation and transfer of the deposit, and ICBC will calculate the interest on the demand deposit after the maturity of the fixed deposit with principal and interest. Minhe.

Hello landlord.

It's simple

It will be automatically rolled over when it expires, and it will be connected.

The principal is transferred to the next year.

If you don't transfer the deposit, the lease is noisy to the DAO period with the principal and interest is the current version of the current version of the bank's right policy is different, such as CCB, online banking deposit time, counter deposit, are all automatic transfer when due, and the disadvantage orange waiter bank needs to be transferred.

You can call customer service, and it will also help you solve your doubts.

Take your time and get familiar with the business.

I wish you all the best.

If you have any problems in the future, you can click to ask me for help.

Welcome to the exchange.

Good evening!

To put it simply, the term of this deposit expires, if there is no prior "about the rollover period.""The principal and regular interest will continue to accrue interest on the current deposit. If the deposit is still in the fixed account, the interest will be calculated when the withdrawal is fixed.

What is expiration? Fixed Deposits?

How to transfer bank card to current account regularly: 1. First log in to your personal online banking, then click on transfer and remittance in the personal interface, select the current deposit to time transfer, then select the type of fixed deposit and the type of deposit, then enter the amount, click "transfer out", check the information, click OK, and you can successfully convert the regular deposit into a current deposit. 2. You can also bring your bank card to the bank counter to find the staff for processing.

Time deposits are also known as "certificates of deposit". 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. Some certificates of deposit can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

A demand deposit is a bank deposit that can be accessed and transferred at any time by the depositor without any prior notice. These can take the form of checking deposit accounts, certified cheques, cashier's checks, traveller's cheques and letters of credit. Demand deposits account for the largest part of a country's currency** and are also an important fund for commercial banks**.

Demand deposits not only have the functions of a means of payment and circulation of money, but also have a strong ability to derive, which is the focus of commercial banks' operations. The interest rate on demand deposits is generally low; Commercial banks in Western countries generally do not pay interest, and some even charge a certain amount of handling fees.

For lump sum deposits and withdrawals in China Merchants Bank, you can withdraw them in advance through the professional version of online banking or at any branch of China Merchants Bank with your bank card and account opening certificate, and the bank will pay the interest on demand.

Whether a fixed deposit is converted into a demand deposit upon maturity depends on whether the depositor and the bank have agreed on automatic rollover at maturity. If the depositor chooses automatic rollover, a new round of time deposit will be executed, and if no automatic rollover is selected, it will be automatically converted to an active chain deposit after the time comes, and the interest rate is also according to the current interest rate of the bank to which it belongs.

Extended information] The bank deposit and death period is the meaning of the sail rolling sun of the deposit period. The death period is mainly relative to the usual demand deposit, which is called a fixed deposit to be precise. Dead (fixed deposits) can be withdrawn regardless of whether they mature or not.

If there is no maturity withdrawal, it is called early withdrawal. There are two types of early withdrawal, one is full early withdrawal, then all your money will be calculated according to the current account after withdrawal; The second is partial early withdrawal, that is, a part of the total deposit is withdrawn, and the interest on the withdrawn money is calculated according to the current period, and the interest is calculated according to the original standard of the original value date if it is not withdrawn.

First of all, if you don't deposit the death period in the bank, then the money is gone?

1.Use the money to buy **or**.

Although the backup return of ** and ** is indeed large, it is often high risk behind the high return. If you don't have a certain amount of research on **and**, and just feel that its income is high, you blindly invest money in it and manage your finances, then in the end you will either ignore it or ignore it.

Because **and** actually has a certain threshold, it requires keen observation, it also needs to have a certain concentration, and it also needs to analyze the market, in fact, most people do not have.

Therefore, many people invest in a state of loss in the end, so it is better to put this money in the bank is the safest.

2.Invest money in a brick-and-mortar business.

In recent years, with the rapid development of the Internet and some changes in the epidemic, it has become more and more difficult to do business. And the cost of physical business is very large, the cost of rent plus labor costs, and the money you really earn in your hands is really very small.

If you rush to invest in an entity, if you don't have much understanding of the entity industry and lack team management experience, then there is only one final result, that is, the investment fails. Not only did they not make money, but they also lost the principal in their hands.

There are two main ways to convert to current account on a regular basis:

Taking China Construction Bank as an example, the specific operation steps are as follows:

Operating environment: brand model: iphone13

1. To apply for regular transfer, users can usually hold their valid ID cards.

And the bank card directly to the bank's counter, if there is something unclear, the bank staff will teach you. Fierce Sparrows.

Second, first open the mobile banking.

APP, register and log in, first-time login users need to enter the bank card number and password; After logging in, the user will find the option of "Fixed-live Transfer" on the mobile banking page and click to enter; Finally, select "Recurring to Current" and follow the prompts to complete the recurring conversion.

3. Click on the slag to log in, after entering, see if the current interface has a "fixed live transfer", if not, click all the + signs.

4. Find the fixed-live transfer option.

5. The operation of regular to current and current to regular is basically the same, now take regular to current as an example, click on the regular to current account.

6. See all the fixed deposit amounts in your account and select the account you need to transfer out.

7. Select the withdrawal method, whether it is full withdrawal or partial withdrawal, and then enter the amount and payment password. Click Next to celebrate and you're done.

8. After the transfer is successful, you will receive a text message if you activate the SMS service, and the bank will also transfer the interest during this period to your current account.

The dead deposit you are talking about should be called a personal fixed deposit according to the type of bank deposit. As for the understanding of time deposit business, I would like to explain to you as follows:

For the time deposit business, if the deposit period is one year, the bank now has two ways for customers to choose when depositing: 1. Handle the transfer at maturity. 2. No rollover will be handled upon expiration.

The rollover business at maturity is to automatically renew the next fixed term business after expiration, without the need for customers to handle it, but the fixed interest rate is transferred according to the national benchmark interest rate.

If the customer does not handle the rollover business when it expires, the interest will be calculated according to the current interest rate after maturity, and the customer should remember the maturity date and go to the bank in time to handle the withdrawal or renewal business.

According to the above statement, it is recommended to handle the non-rollover business, because the interest rate of the automatic rollover after the expiration of the rollover business is low and not cost-effective. Although you choose not to roll over, you have to go to the bank after maturity, but the interest on the renewal will not be lost.

The above is how to deposit a fixed deposit. After the maturity of the fixed deposit, the interest is calculated according to the current account, and the renewal business should be handled as soon as possible.

For the bank's dead deposit, when the dead period expires, if there is no automatic rollover, it will become an automatic transfer.

When depositing a certificate of deposit, the certificate of deposit is automatically transferred, and the certificate of deposit is also fixed. If you don't do it, the interest will be calculated according to the current account when it expires.