Whether a fixed deposit is a passbook or a card, and whether a fixed deposit is a passbook or a card

Time deposit. A passbook can be present.

can also be stored in a bank card. In addition to this, there are certificates of deposit.

form. And no matter which way you deposit, the interest rate on the term is the same. However, you need to pay attention to the fact that if the fixed deposit is stored in the bank card, you will not see how much the amount is, and the bank card will not show the fixed deposit; However, if you store a fixed deposit in a passbook, you can directly see the amount of deposit and the length of the deposit period.

Therefore, for those who are older, they prefer to keep their fixed deposits in their passbooks. However, a bank card is a little more convenient than a passbook, as the bank card goes directly through the self-service kiosk or online banking.

You can do it; In the case of a passbook, you often need to go to the counter of the branch to apply for it. Of course, the security of both is the same. Because if you want to steal money from your passbook, you need to have an ID card.

and passwords, but also to go to the counter to operate; The regular term on the bank card cannot be used for card consumption, and it cannot be seen at the ATM.

Extended Materials. Bank deposits.

The main ways are as follows:

1. Demand deposits.

The minimum deposit is 1 yuan, it is not limited to the deposit period, and customers can deposit and withdraw cash at any time with a bank card or passbook, as well as a reserved password.

2. Fixed deposits.

A fixed deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate of the deposit, and withdraw the principal and interest after maturity. However, it can be withdrawn in advance, but if it is withdrawn in advance, the interest on the withdrawn part of the funds can only be calculated according to the current interest rate. And it can be divided into the following types:

1.Whole deposit and whole withdrawal:

The customer chooses to deposit the whole amount after the deposit period, and then withdraws the principal and interest at maturity.

2.Fractional Deposit:

The customer agrees on the deposit amount in advance, and then deposits it according to the agreed amount month by month, and withdraws the principal and interest after maturity.

3.Whole deposit and zero withdrawal:

The customer agrees on the deposit period in advance, deposits the whole amount at one time, and then withdraws the principal in installments and the interest at maturity.

4.Deposit and interest:

The customer deposits the principal in a lump sum, then withdraws the interest in installments, and then withdraws the principal at maturity.

5.Fix two pennies:

The customer does not agree on the deposit period in advance, and the deposit is made at one time and withdrawn at one time.

3. Agreement deposits.

The target of the agreement deposit is to the corporate customer, and its function is equivalent to that of the demand deposit, but the income is much higher than that of the demand deposit.

4. Call Deposit.

A call deposit is a deposit that does not have a fixed deposit period, but the depositor must notify the bank in advance when withdrawing.

Both. In any bank in China, you can ask for a passbook or a fixed deposit in a bank card. In fact, the function of bank card and bank passbook is the same, both can be deposited for a fixed period or for a survival period, bank card can be self-service at the ATM machine than a passbook, and access is more convenient, but the elderly are not very adaptable.

Fixed deposits can be either passbooks or bank cards.

Both methods are very good, the fixed deposit can be a passbook or a card, mainly depending on which method the user uses to make a fixed deposit.

It should be noted that if the fixed deposit is stored in the bank card, you will not see how much the amount is, and the bank card will not show the fixed deposit; However, if you store a fixed deposit in a passbook, you can directly see the amount of deposit and the length of the deposit period.

Extended Information: Introduction to Bank Card Functions:

1.Cash deposits and withdrawals. Most debit cards have savings functions such as domestic and foreign currencies, time deposits, and current accounts, and debit cards can be deposited and withdrawn at bank outlets and self-service banks that issue debit cards, as well as ATMs (ATMs) across the country and around the world.

2.Transfer and remittance. Cardholders can transfer or remit funds to other accounts through bank branches, online banking, self-service banking, etc.

3.Swipe your card to make purchases. Cardholders can use their debit card to make purchases at merchants.

Collection and payment. Debit cards can be used to pay payroll and pay various expenses (such as communication, water, electricity, gas, etc.).

4.Asset management. Wealth management products, open**, insurance, personal foreign exchange trading, *** transactions, etc. can be signed, traded and settled through debit cards.

5.Other services. Many bank debit card services have extended beyond financial services, such as airport VIP access and healthcare services for cardholders.

What does a passbook do?

First, the passbook can be used to deposit and withdraw cash, and the money in the passbook can be withdrawn at any time and the interest is calculated according to the current interest rate; The money in the fixed passbook can only be withdrawn at maturity at the regular interest rate, and early withdrawal will result in a lot of loss.

Second, the passbook can be used to transfer funds, so that the holder can transfer funds directly to other customers without having to withdraw cash.

Third, the advantage of passbook compared with bank cards is that it can check the details of incoming and outgoing accounts at any time, and the security is higher; The advantage over certificates of deposit is that they can be reused many times, making them easy to carry and store.

What is the audience for the passbook?

Judging from the current situation in the bank, there are indeed fewer and fewer people using passbooks, and more and more people will use bank cards, and one day bank cards, passbooks and certificates of deposit will be replaced by electronic media.

The main reason why the current passbook is used more is the middle-aged and elderly people, who prefer to bind their salary accounts to the passbook, mainly because of habits; Not only middle-aged and elderly people are willing to use passbooks to handle fixed deposit business, but even many young people also like to use passbooks to handle fixed deposit business more than deposit receipts and bank cards, which is mainly due to the fact that regular passbooks are really convenient.

In fact, usually, when we go to the bank to deposit a fixed deposit, we will have itThere are three ways to get a certificate of deposit, a passbook or a bank card.

First of all, let's talk about the bank card recommended by the bank, his function is not only the deposit period, but also the payment of water and electricity bills or transfer settlement, the purchase of financial products, etc., after having a bank card, most of the bank's business can be handled, which is not comparable to the certificate of deposit or passbook.

It is worth mentioning that if the customer applies for a bank card, the bank can also promote other businesses, such as wealth management products, after all, time deposits are generally converted to wealth management products, which is also their preparation for the next step of marketing, which shows that the bank also has its own considerations.

There is also a kind of certificate of deposit, which is generally divided into a large-amount certificate of deposit or an ordinary certificate of deposit, and the bank is required to open a large-amount certificate of deposit on the card, but each certificate of deposit only corresponds to a fixed deposit business, if the customer wants to handle multiple time deposits, it is necessary to open an account repeatedly, and the procedures are relatively cumbersome, and if multiple certificates of deposit are kept together, the risk of loss is also greater.

In the final analysis, banks are profit-making institutions, and what they value most is efficiency, and each bank branch is very concerned about the deposit scale of its own outlets, and when using a bank card to handle the deposit business, it does not matter which branch the deposit is handled, the key is the bank card opening outlet.

After all, there is also competition between the various outlets of the bank, who also wants to make wedding dresses for others, and things closely related to their own income, naturally they must consider themselves first, and the staff of the bank are most concerned about the deposit certificates you use, handle time deposits, and which branch the depositor handles, this business belongs to which outlet.

In fact, time deposit is a deposit method that everyone is more inclined to use, but when we urgently need money, we must withdraw these time deposits in advance, which will lead to our interest loss.

If it is a certificate of deposit, it is necessary to withdraw all the funds, and the bank calculates it according to the current interest rate, but in any case, the bank will follow the principle of "voluntary deposit and free withdrawal", but the large-amount certificate of deposit business cannot be partially withdrawn in advance, and only the full amount of early withdrawal is supported.

First, intuitively speaking, passbooks are better.

The passbook can directly see the amount of deposit and the length of the deposit period, while it is stored in the bank card, and the deposit and deposit period may be forgotten after a long time.

In other words, if you put it in your passbook, you can see the amount at any time and know when it will expire. Especially for older people, a passbook is more suitable.

Second, in terms of convenience, the card is better.

In terms of ease of use, it is good to deposit a bank card. After opening online banking and mobile banking, you can also check it at any time on your mobile phone, and it is more convenient to access and access.

The card is also more convenient to use, on the self-service equipment or online banking, you can convert the current account into a fixed term, or renew the deposit, saving time, and the counter deposit fixed is the same.

Third, in terms of security, it is generally believed that the security of passbooks is higher.

The reason for this is that the deposit and withdrawal of the passbook can only be operated at the counter and cannot be used across banks. The bank card can be swiped through various terminals such as ATMs, networks, and POS machines.

If you want to steal money from your passbook, you must have your ID card and password, and you must go to the counter to operate. But if you want to steal a bank card, it is very convenient.

1. First of all, let's define it, it is the current bank (let's not talk about the previous bank, of course, the manual era is the passbook, and now it is the information age, and the banking industry has always been a leader in digital information technology within the margin of safety).

2. Bank deposits, whether they are deposit cards, passbooks, or both, they are all the same system. From this point of view, they are the same thing, there is no good and bad: young people may not choose passbooks, old people may choose passbooks in old habits, people who feel that it is convenient to use ATM networks with cards and feel that passbooks are similar to vouchers in the middle ground may choose both, and the bank only provides selectivity, which should be praised by the bank.

In this way, there will be people who deposit and withdraw money or spend money online at ATMs and do not reflect it in the passbook in time, but it is not that you can use this passbook voucher to prove that you have not deposited, withdrawn or consumed, but to register the passbook, so from the perspective of digital currency trends, the passbook is something that will be replaced. Not only that, but now the accounts of the same person in the same bank are also classified and managed in a unified manner. Therefore, in terms of trend, it is better to deposit the card, and further, the card may also disappear in the future, and you look up at the cloud, and the information of your corresponding account may pop up when you brush your face.

3. For forgetful or insecure or overbusy people, because the deposit period is often a few years long, if there is no habit of checking from time to time, there is a passbook or deposit receipt, of course, I feel safe psychologically, and it also plays a role as a reminder of the credentials. This is your own choice, and as long as the bank has not canceled this option, you can use it.

4. For those who are skeptical of the bank deposit system, there is no need for it, because the security of the bank is currently the best in comparison. For example, the bank's system is restricted from connecting to the Internet, and the data of the bank's system is the highest level of backup. This is the best security system you can pick, so sometimes you get the impression that the bank is conservative.

Compared with Yue Bao, you don't have a card, you don't have a discount, only a username or a string of numbers, isn't it still used to deposit and buy financial management? So it's just a matter of habit.

5. Finally, if I want to save a large amount of 5-year fixed, because the time is too long, I will still choose a certificate of deposit or passbook, the memory is not good, not to mention it is still a credential. But if you are not an old man, it is recommended to have a bank wealth management product within one year, the income of this cycle is comparable to the income of a 5-year deposit, and now the bank also buys wealth management directly on the system, and even a paper purchase contract is not provided.

1. On convenience: bank cards are more convenient

The passbook is a booklet that you have to go to the bank counter every time you handle business, which is limited by the bank's business hours and is not convenient to carry around.

A bank card is a card, easy to carry, known as "plastic money", which can be directly swiped for consumption, and the business is not limited by time and space, and can open online banking, and carry out some operations on the Internet to achieve various paperless transactions.

2. On accounts: passbooks are more suitable for the elderly

There is a detailed record of each transaction in the passbook, and the bank card does not, but as long as the customer has opened a bank, he can check his account balance at any time through the bank, and if the SMS business is opened, each withdrawal or consumption will be notified in the form of SMS in a timely manner.

However, for the elderly who are not familiar with computer operation, it is easier to understand the details of the accounts with a detailed passbook that is obviously paper.

3. On the cost: the passbook is free of charge and the bank card part is free

The passbook is free, and the bank card is subject to the cost of production and annual fees, but the first type of card is free, and the non-class card still charges a fee. Inter-bank withdrawals are subject to a certain fee (some banks have certain discounts in this regard, such as no fees for the first few transactions, etc.).

Whether to use a passbook or a bank card mainly depends on the personal situation. For example, the elderly are more suitable for passbooks, and young people are more suitable for bank cards. Here, the little housekeeper should also remind some friends who use cards and folds at the same time, and withdraw money with bank cards, and there is no record in the passbook, which will inevitably cause different amounts of cards and folds, especially for elderly friends, don't panic, check your withdrawal details and figure it out!