How to cancel the passbook How to have the amount behind the passbook cancellation account

Just reissue a new passbook.

If it is ICBC, you have to wait for a week and pay 10 yuan.

After getting the new passbook, apply for online banking services directly at the counter, and you're done.

In layman's terms, reporting loss means that the passbook or card is lost, and it should be reissued (the number of the new passbook or card is the same as the lost passbook); And the elimination of the account is to completely cancel this one number.

Report the loss first, and then do what you want to do, generally you can hold the passbook with a password, or there seems to be no other way!

The passbook does not need to be cancelled, and it is okay if it is not used, because it does not have to pay annual fees, and there is no credit problem.

Shame, take your ID, go to the bank, and tell the salesperson what you told us.

It's good to report the loss, and it's good to re-take a picture of your previous one.

1.Don't report the loss, don't eliminate the household, and open a new account.

2.You only need to bring your ID card to report the loss.

3.Reporting a loss is simply freezing the money on your bank card.

Cancellation is to eliminate your customer number (you can choose to withdraw the money or transfer it to another card)4When you handle it, you can sign a contract in reverse, and you can go once.

5.There is no need to make an appointment, and it can only be processed after 7 days.

6.Under the age of 18, you can open online banking.

You can take your ID card to CCB to apply for an Alipay Dragon card and open it, now you don't need to spend an annual fee, only charge 5 yuan card fee, it is safer than online banking

1 You can open a new account and apply for a card, there is no other good way.

2. You can't close your account, because you can't carry out this business without a passbook, and you can't report the loss, because you also need a handling fee of 10 yuan to report the loss, and you haven't lost it, so it's not necessary If you have to handle it, you have to bring your ID card.

3. If you report a loss, you can unhang it, and you can't reuse the account if you cancel the account.

4. In view of the fact that you do not want to go back to your hometown to get your passbook and card for the time being, it is recommended that you open an account in the local area, which is more convenient for online banking, and the accounts are also easy to check.

The above suggestions are for reference I hope you will handle it as soon as possible.

1.If you want to cancel your account, you must take your ID card to the opening bank to go through the relevant procedures.

2.The same is true for reporting loss.

3.The loss report needs to be reissued, but the account is not closed, and this does not exist.

4.You can take your ID card to apply for a passbook, and then re-apply for it through online banking, I think it is more convenient. Otherwise, you'll have to go back to your hometown.

Then go to the bank counter to report the loss, and then he will give you a replacement card with the original number card.

2.You only need to bring your ID card to report the loss.

3.Reporting a loss is simply freezing the money on your bank card.

Cancellation is to eliminate your customer number (you can choose to withdraw the money or transfer it to another card)4Then you just fill out a form under the application for online banking.

All the problems were solved by going to the bank once.

I took my ID card to the bank.

It's the bank where you do the passbook.

Take your ID and prepare to reapply for it, and by the way, ask the bank clerk, they know it well.

Hehe what's the matter, there's nothing.

Before the account is closed, there is a re-application procedure, the system!

Bankbook. The amount at the back of the account closure may be due to the fact that there is still money in the passbook that has not been withdrawn. If this is the case in the user's passbook, you can choose to transfer and withdraw the funds in the bank account at the same time as closing the account.

When the account is closed, if there is still a balance in the user's passbook account, the cash cannot be withdrawn directly, and the balance can only be transferred to the basic deposit account.

If you want to cancel the bank account of a certain bank, then you should do so in advance.

Check the balance and transfer it out in advance to prepare for the closure of the account.

If an individual brings his or her ID card and passbook bank card to the bank for cancellation business, the bank's staff will directly cancel the passbook account for the user. The Bad Mountain Clan.

The cancellation of the passbook can only be handled at the opening bank, otherwise, other banks will not accept it. When canceling the bank account, it is necessary to present the valid documents such as the ID card of the account holder. Cancelled accounts can be withdrawn if there is a deposit balance.

You can also withdraw the money from your passbook after a long time.

Steps to close your account.

1. The user goes to the bank branch to fill in the "loss report application", and if he can't remember it, he can let the bank staff inquire, fill in the elements such as the loss report and the type of loss report, and hand it over to the bank teller to operate from the system.

2. After the passbook is reissued, the funds in the account are transferred to the new passbook, and then all the account funds are withdrawn.

No. Bankbook.

If you don't have money, it won't be automatically written off, but it will freeze. Generally speaking, if an account has not been used for a long time, this account is the so-called idle account, so after a certain period of time, the bank will deal with it to a certain extent, that is, freeze it.

Extended Materials

Benefits of Closing a Passbook:

1.In case you lose it, so as not to let criminals take advantage of it.

2.There are no fees such as annual fees and small management fees.

3.It is possible to withdraw all the money in the card, including a few dimes...If the balance in the card is sufficient: If the balance is sufficient, the card will not be cancelled. No matter how many years no transaction occurs, it will not be written off;

4.If the balance in the card is less than 100 yuan: the balance is less than 100 yuan, then the bank will charge a small management fee for the card, which will be charged quarterly until the balance is 0 yuan.

After becoming 0 yuan, if it has not been used for a long time after 0 yuan, then the bank will transfer the card to a dormant period, and the bank card will be automatically cancelled if it is dormant for up to 2 years;

5.If the balance in the card is 0 yuan: the balance is 0 yuan and has not been used for more than 2 years, the bank will transfer the card to a dormant period, and if it is dormant for 2 years, the bank card will be automatically cancelled. Post Bank.

There is no annual fee for the passbook (excluding Xiamen City, Fujian Province and Zhuzhou City, Hunan Province).

Postal Savings Bank of China.

(including green cards.)

VIP Gold Card, Debit Card.

There is no annual fee, but when the average daily balance is less than 100 yuan, a small account management fee of 3 yuan will be deducted every quarter.

There is no annual fee for the passbook (including green card, VIP gold card, and debit card) of the Postal Savings Bank of China, but when the average daily balance is less than 100 yuan, a small account management fee of 3 yuan will be deducted every quarter.

In May 2015, the annual fee and management fee of all bank card debit cards (passbooks) were cancelled, and a bank can only apply for a card free of annual fee, regardless of whether it is a new card or an old card.

Note: Annual fee waiver and other services need to be applied, such as a new card handled after May 1, or a replacement card after reporting loss, if I do not take the initiative to apply for exemption of small account management fee and annual fee, these two fees still need to be charged.

You can choose whether you want to cancel your account by yourself, and you must cancel your account if your credit card is not used. Before the account is closed, the normal use of the card will not affect the credit of the cardholder, the savings card will not incur fees if the account is not closed, and the credit card may be overdue due to annual fees.

Note: If you still have money in your bank card, you can withdraw all the money at the counter when you close your account.

If the bank card is lost, you also need to reissue a bank card first, and then cancel the account, and a card fee is required to replace the card.

For savings cards, if the card is not used for a long time, it will generally be automatically frozen and will not affect the personal credit history. In the case of a credit card, it will not be automatically frozen if it is not used for a long time, and it may be overdue due to annual fees.

To cancel the credit card, the balance on the card must be withdrawn and the balance on the card must be guaranteed to be clear.

After the savings card account is successfully closed, it will not affect the future application. After the credit card account is successfully closed, if the personal credit is affected due to the previous use of the card, it will cause some trouble to apply for a credit card in the future.

Account closure is required. Cancellation at the counter: Users need to bring their ID cards.

and passbook to the opening bank.

outlets, fill in the account cancellation documents, and ask the counter staff to assist in the account cancellation. Automatic: When the user's passbook balance is zero and there is no movement of funds for three years.

The account will be closed automatically. At the same time, it should be noted that when the user's passbook balance does not bend to 300 yuan, a small account management fee of 3 yuan per quarter needs to be charged.

A passbook, or deposit book.

Commonly known as the red book.

It is a book used to record bank transactions in a deposit account. The size of the cheque book varies from country to country and banking institution, and can be the size of a cheque book or the size of a passport. According to historical records, the earliest credit institutions in Chinese history were the "quality bank" (similar to the pawn shop) of the Northern and Southern Dynasties, and in the middle of the Tang Dynasty, there were "cabinet shops" and so on.

There is no annual fee for the passbook, but it is best to cancel it if you don't use it. If you have money in your passbook and the balance is less than 300 yuan, the bank will deduct the small account management fee until the deduction is exhausted. At most, the passbook cannot be used normally and will not affect personal credit.

However, if the passbook is not used for a long time, the best thing to do is to write it off in time, so that unnecessary losses can be avoided. Cancellation is very simple, bring your ID card and passbook to the bank counter to cancel it. Regardless of whether it is reimbursed or unpaid, it is a crime as long as the act of transfer occurs.

In practice, many people transfer their bank passbooks (or bank cards) for free because they don't use their own empty cards.

But even if there is no money in it, it can be used for financial fraud.

among them. (In fact, even if there is no money, the act of transfer has already constituted a crime). When you have a passbook that you don't use, it's best to go to the bank to cancel your account.

Of course, you know that you will never transfer it to someone else, but if it falls into the hands of someone else one day or for other reasons, it is difficult for you to prove that "you did not transfer the passbook intentionally". Therefore, when there is a passbook that is not used, account closure is the best way to prevent risks.

Summary. Dear, you can take it out before you close your account, but you can't take it out after you close your account.

Hello, I am a national first-class chartered financial analyst jam teacher, a first-level answerer. Graduated from Shandong University of Finance and Economics, with 2 years of experience in the financial side liquid industry, good at, investment and financial management, bank loans, insurance, car loans, housing loans, committed to protecting your property, I am happy to answer for you This will reply to you.

Dear, the meaning of the passbook is to cancel the account and clear the bank account registered with a person's ID card and other valid documents from the Suicong Bank Network database. If the regular passbook shows that the account has been closed, it is generally the person who has canceled the passbook, and the passbook can no longer be used.

However, there is a balance behind the closure of the account.

There is still time. The balance in it needs to be taken out before the account is closed.

Didn't take it. Dear, you can take it out before you close your account, but you can't take it out after you close your account.

Ask about custom messages].

Account closure refers to the cancellation of the bank account and passbook.

The official website shall prevail.