Is it better to keep your money in one bank, or in multiple banks?

I think it's better to choose a bank.

If you have a lot of money in a bank, the bank will list you as a key customer, and the account manager will notify you as soon as there are any good financial products or activities.

Even on your birthday, the opening of the company, there will be a small gift on the more important day, and the business will be convenient for you to the greatest extent, and the attitude will be very good. . .

It's not good, increase the cost, it's better to put the money in a well-serviced bank, apply for a variety of consumption cards from a few more banks, that is, the kind that can be free of card fees as long as you swipe 3 times a year, isn't it? There can be a lot of cards, and you don't need to pay more for the card.

How many are good! As long as you're not afraid of trouble!

It's easy to access and safe in the future.

Put a well-serviced bank.

It is better to keep your money in a bank, because when you use the money, you don't have to run away one by one, and the larger the amount of deposits, the higher the interest, and the higher the interest rate will be if you concentrate on the money in one bank. If you are worried about bankruptcy, you can deposit your money in the National Bank, or if you are really not at ease, you can also spread the money in China's six major state-owned banks, and the principal and interest of each share should not exceed 500,000.

If your amount of money is too small, you don't have to spread it out over $100,000 because deposit insurance regulations state that deposits up to $500,000 are protected by the maximum repayment limit and there are no collateral differences. While interest rates may be higher for smaller banks, the spread is very small because there are only tens of thousands of deposits. If the deposit is too spread and not only fails to achieve the expected spread, but also tosses back and forth, it will be quite troublesome and will outweigh the losses.

Whether or not to keep all the money in a bank is also related to the user's financial preferences. For users with less than 200,000 funds, it is enough to choose a large and medium-sized bank. Not only is it safe and reliable, but many large and medium-sized banks are fully functional banks, with rich investment and wealth management product lines, perfect management, stable risk control, and guaranteed safety and returns.

Therefore, from the point of view of security and efficiency, when the total amount of funds exceeds 500,000, it is possible to consider appropriately dispersing multiple banks for deposits. The first is to ensure the safety of funds, so that deposits are always within the protection range of deposit insurance regulations, and deposits can rest assured; Second, through the combination of financial management of different banks and different products, we can avoid risks and obtain higher returns, which can basically achieve the best of both worlds.

Generally, there is nothing wrong with keeping all your money in one bank, and it is relatively convenient to keep all your money in one bank. In fact, China's six major state-owned banks are already very mature, and it is basically impossible for them to fail, so there is no need to worry about security at all.

I think it's better to keep all your money in a bank, because it is conducive to the management of funds and is more worry-free.

It's not good to keep all your money in one bank, because if your bank card goes missing, all your funds are gone.

This is not good, because if something goes wrong with the bank card, then all your funds will be lost.

Bank depositsIt is the most trusted and most used financial management method by our people. So when we go to the bank for a fixed deposit, do we choose to deposit it as a deposit or separate deposits?

There are two main types of problems:

The first situation is when oursThe deposit is more than 200,000 or more, it is recommended to save it in oneLarge certificates of deposit。We all know that the interest rate of large-denomination certificates of deposit is higher than that of ordinary bank fixed deposits, and there are also threshold requirements for large-denomination certificates of depositOnly deposits of more than 200,000 yuan can choose large-value certificates of deposit。If only 200,000 yuan is deposited separately, it is not enough to meet the threshold requirements of large-amount certificates of deposit, and it can only be deposited as an ordinary time deposit.

This is not only inappropriate, but also costs us a lot of interest money.

The second situation is that when our deposits do not meet the threshold requirements of the bank's large-amount certificates of deposit or large-amount deposits, should we deposit them separately?

In fact, this mainly depends on whether the bank you want to make a deposit withdraws or not supports partial early withdrawal. I believe many people know that if part of the bank's fixed deposit can be withdrawn in advance, the remaining part can still be calculated according to the interest rate of the fixed deposit. However, forThe number of partial withdrawals varies from bank to bank

Some banks allow unlimited partial withdrawals, while others only allow one-time or even partial early withdrawals. If the bank does not allow unlimited partial withdrawals, it is recommended that you make separate deposits. Here's what it looks likeDon't lose interest on big money because you move small money.

For example, if we want to deposit 20,000 yuan, we can divide it into two fixed deposits of 10,000 yuan. If we encounter an urgent need for money in the later stage, we can only withdraw one certificate of deposit, and another certificate of deposit can still enjoy the interest rate of fixed deposit. If 20,000 yuan is only deposited as a deposit certificate, and the bank does not support partial early withdrawal, then when we encounter urgent money, we can only withdraw all 20,000 yuan, which will bring us unnecessary interest losses.

If the bank can support an unlimited number of partial withdrawals, then there is no need to be so troublesome, just deposit it into a certificate of deposit.

So,Whether bank fixed deposits should be deposited separately depends on the specific situation, and you should choose the appropriate method according to the actual situation.

The main reason for choosing to save money across provinces is to get higher interest rates and better banking services. Banks in different provinces will have different interest rates and service fees for depositors, and some provincial banks will offer higher savings interest rates and lower handling fees, so choosing to save money across provinces can get better benefits.

At the same time, saving money across provinces can also increase the liquidity and security of funds. If all the money is kept in the same bank, if something happens to that bank, the funds will be at great risk. Spreading funds across multiple banks can avoid this risk and make funds more flexible.

It should be noted that saving money across provinces will also bring some inconveniences, such as the need for inter-provincial transfers, withdrawals, etc., which requires a certain amount of time and energy, so you need to choose according to your actual situation. At the same time, it is also important to choose a reputable bank with high-quality services, and ensure that you comply with relevant laws and regulations.

It's better to separate. It is convenient when there is an emergency, and there are options for near and far.

Look at the business needs, the distance of the outlets, whether the outlets are convenient to deposit and withdraw money, etc.

There is a lot of chaos in the bank, and your money may be lost, so you must pay attention to these two points when depositing money in the bank.

It's up to you what you think. I don't think it's very good.

It's better to invest.