The bank passbook has been sent to the group, what should I do, does it have an impact?

You can go to the bank to withdraw the money, get a savings card, the passbook can only be deposited and withdrawn at the bank counter, generally for fixed deposits, after going to college, it is generally deposited and withdrawn at the ATM, you can do a savings card of the Bank of China, there is no handling fee for deposits and withdrawals, if you are studying in Sichuan, you can do a savings card of Nanchong City Commercial Bank, there is no handling fee for ATM access nationwide, annual fees, SMS fees.

Postal Savings Bank of China Term Passbook and Demand Passbook may or may not be the same passbook. At this stage, most banks have launched fixed and current passbooks, which can be deposited for both fixed and survival periods.

A deposit is a deposit of money or currency that the depositor temporarily transfers to a bank with the right to use it under the condition that the depositor retains ownership.

A fixed deposit is a deposit in which 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. It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice and a relatively stable interest income.

A demand deposit is a bank deposit that can be accessed and transferred at any time without any prior notice.

If the current passbook of ICBC is a personal settlement account, and it is paid for wages or entrusted with water and electricity bills, and the pension insurance is withheld, there is no charge; If it is a passbook and a card (but the passbook is paid for wages or entrusted with water and electricity bills, and withheld by pension insurance), only the management fee of the card is 10 yuan per year; If you open a passbook current account to save money, you must save 300 yuan every month, otherwise you will deduct 1 yuan every month, deduct once every 3 months, and charge a card fee of 10 yuan per year for the passbook card (of course, there is no business of opening a passbook and a card now), and you can only open an account before and have been using it.

The bank passbook is sent to the group, and there is only your own account name and the name of the bank opening bank, the book balance at that time, etc., and everything else has no big impact.

Your own bank statement or passbook sent to the group will not be affected.

It depends on what you need, it's not mandatory, but it seems that the default is to cancel the account directly, if you want to keep it and talk to him. However, it is not recommended that you keep it if you have no money for a long time, and it will be included in the account to be cancelled after a period of time.

Personally, this is a leak of the user's privacy, but from a certain point of view, but it is useless to have this account without a password and without an ID card, but I don't mind doing it, and it is best to remind the administrator.

I think so, the village should ask you to hand over a copy of your passbook directly to them.

Count, but it doesn't matter, you can't do anything if you have an account and no password, you can send it to the administrator privately.

Hello, the original password of the current settlement passbook of the Postal Savings Bank of China is set by the handler. If you can't find the correct password, you can reset it at the counter in the province with the passbook and valid real-name documents, I hope my answer will be helpful to you.

It cannot be used as a passbook. The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

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.

1. The full amount shall be withdrawn at maturity, and the principal and interest shall be settled at one time according to the prescribed interest rate;

2. If the full amount is withdrawn in advance, the bank shall calculate and pay interest according to the current deposit interest rate announced on the date of withdrawal;

3. If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the time deposit shall be liquidated.

It is recommended that you go to the four major banks to open a fixed term account (I don't know if there is a credit union), so that you can deposit every month, or at any time, and each term can be selected in March, June, 1 year, 2 years, 3 years, etc.

Suggestion: Relay savings are deposited regularly without losing liquidity.

If you make a monthly deposit for a year, it will be 12 in a year. From the second year onwards, there will be a maturity every month, which can be used to meet urgent needs without losing interest on the deposit. You can also renew each maturity and add the money you want to save each month for the second year to the maturity of the current month, and continue to roll over the deposit.

Do you dare to say that you don't know? When you go to the bank to deposit money, don't you communicate with the bank? You have to explain how to save and how much to save, right?

Banks selling bancassurance products are only intermediaries, and they are also one of the means of making profits, and they will naturally take the initiative to promote them when they are profitable. This type of bancassurance product has obvious advantages over fixed savings of the same maturity, and the return should be good if you stick to maturity. So you finally didn't resist the temptation, so the deposit became insurance.

Is this called being misled? There is always a payment voucher after paying, and the whereabouts of the money should be clear at a glance, and you have signed your name and said that you don't know? As long as you deposit on time, the insurance company will receive the premium from this account in time, and will return all the insurance money and accumulated dividends to this account after the expiration of the term.

To do this, you will need to sign the transfer authorization form. After signing several slips, it means that you fully agree to the relevant agreement, voluntarily purchase bancassurance products, agree to the insurance company automatically deduct money from your savings account, fully understand the insurance content, etc. Signing means that you are fully aware, why do you sign without knowing it?

If the money is transferred, it will definitely be returned to zero, but the number on the passbook will only change if it is printed. If you don't want to wait five years, you can surrender the policy. However, it is not possible to get a full refund if the insurance contract is terminated early after the effective date of the policy, unless the full refund can be made within 30 days of the effective date of the policy.

I still have the "New China Life Insurance Shares**** Application Form and Authorization Transfer Statement", which is the transfer authorization letter. How could it not be, this is a necessary formality.

If you were making a deposit at the time. Well, the bank clerk should give you a deposit slip.

Instead of taking an insurance policy and asking you to sign it. I think banks should be 100 percent responsible.

This is because there is deliberate deception or fraud by bank staff.

You signed the transfer authority at that time.

Maybe not.

You can see it by printing the passbook.

It's a lot of work to get the full amount.

Unless you file a complaint or complaint.

Since it is selling insurance, I asked you to sign many documents, one of which is: the agreement to entrust the insurance company to withhold in the bank. That's it.

Of course, you can, current and fixed are two kinds of business, which can be handled.

Normally, if the depositor dies himself, his relatives can withdraw the deposit in three ways:

1. If the amount is less than 50,000 yuan, the depositor has a passbook and password, as long as the customer's ID card and the ID card of the ** person are presented, they can be withdrawn directly after expiration;

2. If the amount is less than 50,000 yuan, and the depositor has a passbook, but the relatives do not know the password, or know the bank where the passbook is located, but there is no deposit certificate or password, at this time, the notary public certificate of the heir and the death certificate of the public security organ are required. At the same time, all heirs should go to the bank to report the loss with the notarial deed, and then they can withdraw it.

3. The amount is more than 50,000 yuan, and the depositor has a passbook and password. It is also necessary to have a notarization certificate from the notary public of the heirs and a death certificate from the public security organ, and at the same time, all heirs need to go to the bank to go through the withdrawal procedures with the notarial certificate.

If you know the password, if it does not expire, you take your and your grandfather's ID cards, go directly to the bank counter to withdraw in advance, if you don't know the password, you need to do property notarization, take the notarial certificate (if you are the heir), go to the bank with your ID card to report the loss of the password, and then withdraw it.

This is a matter of the deceased's estate. If the estate is not disputed, the drawer can withdraw the money by entering the password (or resetting the password) with his/her valid identification (e.g. identity card) and the deceased's death certificate and passbook. If there is a dispute over the estate, the withdrawer must bring the above-mentioned certificates and documents and provide the court's judgment on how the estate is to be distributed before withdrawing it.

There are two ways: 1. Withdraw from the bank with the deceased's ID card and password (if you know the password); 2. Issue a death certificate and a certificate of the relationship between the person and the deceased.

So many people want to ask, if the depositor dies unexpectedly, how to withdraw the money stored in the bank, today I will tell you about the latest relevant regulations. The first is that if the depositor has applied for a savings card before his death, he can withdraw it by himself if he knows the password, which is considered legal.

As long as you have the password, you can go and get it or explain the situation.

If your lump sum deposit account has been added to e-Banking, please follow the steps below to check the lump sum deposit information:

1.Using a computer: Please log in to Online Banking and select "All - Deposit". Loan-Time Deposit-My Time Deposit" function query;

2.Using mobile phone: Please log in to Mobile Banking and select "Favorite-Deposit-Time Deposit-My Time Deposit" function to inquire.

The above content will be answered by ICBC intelligent customer service "Gong Xiaozhi" for you, the answer time is January 07, 2020, in case of business changes, please refer to the actual situation).

This is simple, you can change an outlet to check whether the balance is correct.