The old man has been dead for 8 years, and the deposit of 830,000 yuan has not been withdrawn for 11

Recently, the practice of a bank in Xiangyang, Hubei Province has attracted the attention of netizens, who have praised him. What did this bank do that attracted countless netizens to praise? It turned out that the bank found that no one had deposited or withdrawn a deposit in 11 years through systematic screening, and the depositor was relatively old, so the bank suspected that the depositor may have died.

After investigation, the situation turned out to be the same as the bank guessed, the owner of the deposit account had been dead for eight years, and his children did not know that the old lady still had deposits in the bank. The bank contacted the children of the account owner as soon as possible to inform them of the deposit, and at the same time informed the old lady's children of the procedures and procedures of how to withdraw money, which was convenient for withdrawal. The bank's behavior has attracted praise from countless netizens, calling it a warm bank.

Then in real life, I believe that the probability of this happening is relatively large. Especially now that we have an increasing elderly population, coupled with the fact that the elderly are generally willing to keep their money in the bank. Then it is very easy for this situation to happen, resulting in no one claiming the deposit.

The main reason for this is that the elderly do not tell their children or other relatives when they make deposits. Therefore, it is recommended that the elderly should inform their children or close relatives in time after depositing money in the bank to prevent problems. <>

In addition, our country has made further provisions on the issue of receiving account balances for deceased elderly persons. In order to facilitate children to receive the deposit of their deceased parents in the bank, it is stipulated that if the balance of the bank account is less than 10,000 yuan, the impartiality of the notary office is not required, and only the relevant supporting materials need to be brought to collect, so that the process of receiving can be simplified and the cost of receiving can be reduced. <>

Finally, I would like to advise the elderly to inform their family members in time after making a deposit in the bank, and if they do not want others to know, they can also keep the deposit slip so that their heirs can go to the bank to withdraw money.

You should tell your children about these savings, and then your children should use the money wisely, so it's okay.

Personally, I think that there must be relevant laws to solve this kind of deposit, as long as it is in accordance with the corresponding laws and regulations.

The elderly's children can be contacted and then divided into their property, and if there are no children, they can choose to donate to the welfare agency of the society.

First of all, the bank will contact the relatives of the elderly to withdraw the money, and if there is really no heir, the money will be collected by the state and used for the development of some public welfare undertakings.

Such deposits should be distributed to his children. That way it won't be left idle all the time. And money will do its job, too.

I think it is possible to pass on such savings in the same way as heirs, and their children and grandchildren will get them.

This deposit should be handed over to the state. Help some people who are in difficulty.

The bank chose to notify the family, so it was up to the family to decide, and basically I think it would be over after a few families split it equally.

1. As a child, don't just think about relying on your parents' savings or gnawing at the elderly.

Second, there is a certain reason why the elderly do not tell their children to save money.

In fact, it is because they feel that their children have not entered their filial piety, so many times when their children are outside, in fact, the elderly will not have much communication with them.

Because they are for themselves, they can't be said to be selfish, but they give priority to themselves, after all, this is the old man's own money, and he is afraid that if he gives it to his children, it will be spent quickly, and he needs money and can't find it.

Some children do things that hurt their hearts too much, and they only know that they care about money and don't care about themselves, so the old man will not tell them about their savings. So this matter will be heart-to-heart, as long as the old man is kind to him, the old man will not do this.

It may be that you don't want your children to make trouble for your own property, or you don't want your children to raise the elderly because of your own property, or it may be that the elderly themselves have forgotten these savings unconsciously and finally left unclaimed.

Isn't this a normal behavior, why don't the old man tell his children that they have savings, it is because their children are not filial to themselves, they work hard to raise their children, and finally they have no one to take care of them when they are old, and they can take care of themselves if they keep their money.

It should be that there is some conflict with the children, or the money cannot be distributed equally to their children, or there are actually clues left.

Because the children are not filial, I am afraid that after telling the children, there will be a series of disputes due to the competition for family property.

The money should be confiscated, because if no one collects it, it will be handed over to the state.

Deposits are divided into registered and bearer, and under normal circumstances, the bank will contact the heirs of the deceased until the heirs take out a will or notarized certificate to receive it. No matter how long it has passed, the deceased's deposit will be kept in the bank in its entirety until the bank fails, and if it is anonymous and unclaimed for a long time, the money will naturally be confiscated and returned to the bank.

If the deposit is not collected, the bank will include it in the long-term account, and in a few years the bank will include the money in non-operating income. If someone comes to collect it in the future, it will be paid out of the operating expenses.

It will be nationalized, but only if the bank is unable to contact the depositor's family for a long time.

It will be used by the state, it will become the private property of the state, and the state will have the right to use the money and use it.

If no one claims it, and no one is found to inherit the estate, the money goes to the state for public welfare.

This money should be donated to welfare institutions in the name of the elderly, which can be regarded as a contribution to its final value. Otherwise, it will not be good for this money to fall into anyone's hands.

A few days ago, when the bank in Xiangyang, Hubei Province, was sorting out the bank accounts, it found that there was a huge deposit that had not been flowing for a long time. After verification, it was found that the head of the deposit was an elderly man. So the bank notified the old man's children.

The staff of Hubei Xiangyang Bank was interviewed.

After investigation, it was found that the old man had passed away eight years ago. But none of his children knew about the deposit. The deposit was held in the bank for 10 years. At present, there are more than 830,000 in the account.

Bank staff count deposits.

The old man's children expressed their heartfelt gratitude for the bank's actions, but they still did not know how to withdraw their deposits.

The staff of the bank pointed out that when the depositor dies, his legal heirs have to go to the notary office to apply for the inheritance certificate and then go to the bank to withdraw the money.

Keep your paper deposit receipts.

So in the actual situation, the depositor dies, and even the ledger does not know that it is in **, and the password is not known, so how should the money be withdrawn at this time?

In accordance with the relevant legal provisions, after the death of the depositor. The heirs should prepare their household registration book, ID card and relevant identity certificates, go to the local notary office or the people's court to apply for inheritance, and then go to the bank to withdraw money. In the event of a disagreement over the inheritance of the deposits, the bank should ultimately allocate the deposits by statutory judgment.

However, in other cases, the withdrawal conditions vary depending on the amount of the deposit.

If it is a small deposit, that is, the inheritance of the deceased's account does not exceed 10,000 yuan. Then his applicant can withdraw all the interest on the deposit in one go. The applicant includes friends of the person. Children, parents or other heirs who have been assigned in advance.

The maximum micro-deposit withdrawal amount will fluctuate slightly depending on the region. But the maximum limit is 50,000.

If the deposit contains foreign currency, it shall be processed at the mid-rate of the exchange rate on the day of withdrawal.

For the withdrawal of small deposits, the death certificate of the depositor, and the materials that can prove the existence of kinship with the depositor. There is also an application form signed by the applicant, valid documents, etc.

For the withdrawal of small amounts of money from the deceased, if there are financial difficulties in the relatively remote areas and female users, it will take unreasonable additional time and funds for them to go to the notary office to notarize.

Recently, there have been a number of reported complaints about notarization. As a result, simplified measures have been introduced for the withdrawal of savings from small deceased persons. With the service of the people to make the enhancement of the system further improved.

I believe that we can deal with relevant situations more quickly.

Personally, I believe that if there are heirs, the inheritance should be handled in accordance with the relevant regulations. If there are no heirs, the deposit goes to the state.

As long as his heir goes to the notary office to issue the inheritance certificate, he can go to the bank to handle the inheritance of the deposit.

His savings should be inherited by his children, and the bank will give his children a ** and collect them with a death certificate.

Later, the bank contacted the children of the old man and told them the truth, and if they were willing to accept it, they would divide the property and hand it over to the state.

If the old man has a will, it should be handled according to the will, but if there is no will, it stands to reason that the money should be given to his children.

I think that his deposit will definitely be released to his relatives, which is not a small amount.

In the event of the death of the depositor, the family of the elderly can be notified to collect it。However, you must bring the death certificate of the old man and the documents that can prove the relationship or the will of the old man to collect it. I think it is the right thing for the bank to notify the family of the elderly.

Because they didn't have no owner because of the money. He declared possession of the money. It's really very protective of the interests of depositors.

Kudos to the employees of these banks. <>

Although some elderly people have a bad memory, they don't trust their children. So the money is kept by yourself. But there are good and bad things in people.

Something happens suddenly, and the old man may pass away. Then no one knows about the money he saved during his lifetime. Therefore, children should still help the elderly deal with saving money.

We can't let the old man's property be gone like that. Chinese really attach great importance to saving。Everyone will work hard to save money little by little.

Just to be able to use it for yourself in the future, in order to use it for your own children. Chinese are really very good at planning ahead. That's why we're more resilient to risk.

Foreigners can see this from this epidemic. Staying at home for months during the pandemic. Many foreigners have no savings and cannot afford to eat.

Because they all spend with credit cards. Each month has to be repaid for the previous month. But I lost my job.

I can't even afford to pay off my credit card. That's why they had a financial crisis before. Because we Chinese spend money very sparingly.

That's why we can save money. When a risk occurs, you can use the money you have saved to survive. Therefore, we Chinese are more able to survive.

And those foreigners will only blame others, accuse their **, and do not pay their benefits in place. Never want to work on it yourself. It's really the mentality of a giant baby.

The road of life still has to be walked by oneself. <>

I feel that the money left by the old man, if the children know. It will also be very happy. I think it's an unexpected fortune。It was a gift from their parents to them. They will definitely be very grateful to their parents.

It can be taken out by his heirs or immediate family members, and if there are no heirs, the money goes to the state.

The family members should provide proof of your relationship, and then provide proof of the death of the old man, and then take their ID card and household registration book to go.

First of all, you should take the death certificate of the old man to the bank for proof, and then you can transfer this property to the account of the old man's relatives, and there is a lot of property here, so there should be several children to share it together.

You only need to provide a blood relationship with the deceased person, and you need to provide the death certificate of the elderly, and a series of corresponding procedures to withdraw the deposit.

In this case, the relevant death certificate will be required before the deposit can be withdrawn from the bank.

This requires taking the old man's household registration book, ID card, and other information to prove identity, and taking it to the bank for verification and then taking it out.

In such a case, the depositor's family or a blood relationship should withdraw the money according to some personal status.

Theoretically, this money should be distributed among the descendants of the elderly. For this money, in fact, it is particularly obvious where it is going. After all, it is the old man who earns the money.

Naturally, this money should be left to her children and grandchildren, and no one else has the right to distribute it. Of course, the people in the bank can give the money to the descendants of the old man, and they will be willing to give the money to the descendants of the old man. After all, this money was earned by others themselves, and it was also what the old man wanted to leave to future generations.

In general, if the person who made the deposit has passed away, if the bank knows that the deceased has passed away, it can contact the relatives, and the family members will generally be notified to go through the withdrawal procedures. But usually no one tells the bank when the depositor dies, and the bank generally doesn't know. In this case, what to do with the money in the bank requires a detailed analysis.

The family can go to the police station with the deceased's ID card to issue a death certificate. Then take this death certificate to the CBRC to check the deceased's deposits and deposit amounts in major banks. The management of the major banks of the CBRC has specific data of the major banks, which can accurately check the deposits of the deceased.

If it is found that the deceased did have deposits in the bank, if the deceased had legal heirs during his lifetime, the legal heirs can withdraw cash from the bank with the legal inheritance and death certificate. As long as there is this, it is impossible for the bank not to give money to the family. If the deceased had a bank loan during his lifetime, the bank will not give up the recovery even if he dies.

In general, a guarantor is required to lend money to a bank. At this time, the bank can find the guarantor to inquire about the situation, so that the guarantor can fulfill the guarantee obligation, assume joint and several repayment liabilities, and repay the loan. <>

However, if it has not been collected for a long time, the inheritance that has not been inherited or bequeathed belongs to the state. If the deceased was a member of a collective ownership organization during his lifetime, it is owned by the collective ownership organization. If the deceased was cared for during his or her lifetime, the caregiver can be compensated.

Therefore, if no one inherits this part of the funds, it will be donated to the state, and the state will deal with this part of the funds accordingly, but I think it will definitely confirm whether the descendants of the old man are still there, and if the descendants cannot be found, this part of the money will be processed.