Which bank is better to deposit money in 10

Friend, let me summarize, first of all, I propose that you use the card of Shanghai Pudong Development Bank to do business, because the economy is fast, regardless of the regular current currency and foreign currency, a card can be done, although the cards of other banks can also be basically done, but there is no card economy of Shanghai Pudong Development Bank, that is to say, their card handling fee is the least.

In addition, a friend said that it is not right to pay wages only in state-owned banks, because as long as the employer and the bank sign an agreement, basically every bank can pay wages on behalf of the bank.

As for the low efficiency of the Bank of China, or which bank has good services, in fact, there must be a distinction, not all are good or all are bad, and regional differences also exist.

Therefore, which one is good to save depends on the reputation of your local bank, and if everyone's reputation is good, you can choose.

Minsheng Bank, and Shanghai Pudong Development Bank, these banks, do not charge 2 yuan handling fee for inter-bank withdrawals, and do not charge 10 yuan annual fee, which is very cost-effective! I am in Shenzhen, especially Minsheng Bank, and there are many self-service outlets! It's so convenient!

Don't put all your eggs in one basket, save some for each family.

If you want to save money, keep it away from home. In this way, you can usually resist the desire to spend money. Commonly used money to cross the river, you must deposit it in your city with many outlets, and it is convenient to exchange.

Or a place near your home where there are many 24-hour ATMs. As for which bank. Actually, it's all pretty much the same.

The service of any bank is good or bad! It is not possible to generalize. If there is no special business.

Just do it!

If you want to get a card that you want to use often, you can get it from Shanghai Pudong Development Bank, which can be withdrawn from any UnionPay bank, and there is no handling fee or annual fee, which is convenient and affordable.

If you do not make a transaction of more than 30,000 yuan per time, it is strongly recommended that you do not choose Bank of China Their work efficiency is very low, the service is poor, and it takes a long time to queue up every time, if you are not more than 30,000 yuan, and it is not like other banks to take a number, etc., but have been standing in the crowd and crowded half to death

I think it's the same whether it's CCB, ICBC or Bank of China.

The services of the four major state-owned commercial banks are almost the same, but the problem is that there are too many people queuing up to deposit money in the bank, and the bank does not take special care of the deposits of low-end customers

I think CCB is better.

Highly recommend Bank of China!

The staff is recruited, so the service attitude is particularly good, unlike the Industrial and Commercial Bank of China, and the withdrawal depends on their faces!

I am from Bank of China.

So it is recommended that the Bank of China !!

1. Small city commercial banks or credit cooperatives are better because the interest rate on their fixed deposits is relatively high.

2. For five-year fixed deposits of small city commercial banks or credit cooperatives, the interest rate of this type of deposit can often be as high as more than 5%, or even as high. If the funds are large and constitute a large-amount certificate of deposit, a large-amount certificate of deposit can be appropriately deposited in a small city commercial bank or credit cooperative.

3. Because the early withdrawal of large-amount certificates of deposit can be calculated by the file, and the maximum protection of the "Deposit Insurance Regulations" is 500,000 yuan, the risk of bankruptcy and bankruptcy of small city commercial banks or credit cooperatives is greater, if you are worried about the risk, it is best to control it within 500,000 yuan.

Extended Materials. 1. The process of bank deposit:

1. Take your ID card (if you don't have an account book) to a bank outlet, ask for an application form for opening an account with a personal deposit, and fill in the form according to the prompts (generally the bank will post a filling form), if you can't, you can ask the people in the bank.

2. Fill in the savings clerk (that is, the person in the glass house), and then they will open an account for you, and then follow the prompts, generally enter the password twice, sign the name once, charge 15 yuan management fee and production cost, and finally give a card and a passbook (some banks only give one of them).

3. Then just put your money in it. It should be noted that many banks now (such as the Workers' and Peasants' China and the Construction of Diplomatic Relations and other banks) have small account management fees, and if your money is less than 200, the annual interest may not be as much as those fees. In this case, it is best to find a bank that does not charge any fees for opening an account (generally local commercial banks, Shanghai Pudong Development Bank and other very small banks are exempt from account management fees).

The latest benchmark interest rate for deposits and loans in September 2021: The latest bank interest rates and the latest bank deposit and loan interest rate adjustments in September 2021 have been informed that the People's Bank of China has decided to lower the benchmark interest rates for RMB loans and deposits of financial institutions from September 24, 2015 to further reduce the financing costs of enterprises.

Among them, the benchmark interest rate of one-year loans of financial institutions was lowered by one percentage point to; The benchmark interest rate for one-year deposits was lowered by one percentage point to.

2. The latest benchmark interest rate for deposits and loans in November 2021.

The People's Bank of China decided to lower the benchmark interest rate for RMB loans and deposits of financial institutions from September 24, 2015, in order to further reduce social financing costs.

Among them, the benchmark interest rate of one-year loans of financial institutions was lowered by one percentage point to; The benchmark interest rate for one-year deposits was lowered by one percentage point to. The benchmark interest rates for other grades of loans and deposits, and the interest rates of loans to financial institutions by the People's Bank of China will be adjusted accordingly; The interest rate on personal housing provident fund loans remains unchanged.

At the same time, commercial banks and rural cooperative financial institutions will no longer set a floating upper limit on deposit interest rates, and we will step up efforts to improve the market-oriented formation and regulation mechanism of interest rates, strengthen the central bank's regulation and supervision of the interest rate system, and improve the efficiency of monetary policy transmission.

If you save money for a long time, Bank of China, Minsheng Bank, China Construction Bank, Postal Bank and Industrial and Commercial Bank of China are the best, among which the deposit in ICBC is the best, the main reasons are: ICBC is the largest Chinese-funded commercial bank in China, with about 20,000 to 30,000 business outlets in China, and the advantage of outlets is very obvious, which is one-third more than the second largest bank in China, that is, the outlets of China Construction Bank. At the same time, e-banking is very advanced, and ICBC has an IT team that other banks do not have, which is significantly higher than other banks in terms of e-banking security.

And the counter service is also very perfect, and the charge is also very reasonable. This is because the deposit interest rate of each bank is the same, and the interest is calculated according to the deposit interest rate stipulated by the People's Bank of China. Therefore, you can choose a bank that is closer to home and has a better service attitude to make a deposit.

Precautions for bank deposits

1. Reasonable choice of deposit term: within the cycle of interest rate hike, the term of time deposit should not be too long or too short, and the term of deposit should not exceed one year. For depositors who need money temporarily, it is best to use the monthly storage method, that is, depositors deposit a certain amount of money every month, and all certificates of deposit have the same age, but the maturity dates are 1 month apart.

2. The monthly deposit method can maximize the flexibility of savings, and depositors can withdraw mature or recent certificates of deposit if they need money temporarily, and can reduce interest losses.

3. Attention must be paid to the critical point of time deposit rollover. After the central bank raised interest rates, in order to cope with the adjustment of interest rates, many depositors chose the financial management method of time deposit replacement.

4. If the fixed deposit is withdrawn in advance, the income will be greatly reduced. Under the current savings regulations, if a deposit is withdrawn early, the interest can only be paid at the current deposit rate listed on the date of withdrawal. In this way, if the depositor withdraws the unexpired time deposit early, he will lose an interest income.

The larger the deposit amount and the closer to maturity, the greater the interest loss caused by early withdrawal of the deposit.

When saving money, you are most concerned about the size of the deposit interest rate, choose the bank that suits you to save money, generally choose the high interest rate, because the interest rate is high to make more money, because the bank is different, the deposit interest rate will also have some small differences, so before saving money, you must make a comparison.

Because considering that the bank deposit interest rate will change over time, users can go to the official websites of the four major banks to check the interest rate before depositing money, and can choose to compare and choose the highest interest rate to save money.

From the point of view of the establishment time, Bank of China is the oldest bank among the four major banks in China, and it is good to deposit money in the Bank of China, but if you want to find a bank with a high interest rate, you can actually consider some small and medium-sized banks, and some small and medium-sized banks will deposit at a higher interest rate in order to attract customers to save money, and it is worth noting that the deposits of small and medium-sized banks are also principal and interest guaranteed, so there is no need to worry.

The interest rate you deposit with any bank is the same, and the interest is set by the People's Bank of China. However, the banks to choose are naturally the six major state-owned banks, and they are highly secure. The main reason is that state-owned banks are the pillars of China's banking industry, and the banking industry is the pillar of China's financial system.

It is best to deposit money in ICBC for the following reasons:

1.ICBC is the largest Chinese-funded commercial bank in China, with about 20,000-30,000 business outlets in China! The advantage of outlets is very obvious, which is one-third more than the outlets of China's second largest bank (China Construction Bank).

2.E-banking is very advanced, and ICBC has an IT team that no other bank has, and it is significantly higher than other banks in terms of e-banking security.

3.The counter service is also very perfect, and the charges are also very reasonable.

The four major banks are Industrial and Commercial Bank of China, China Construction Bank, Bank of China and Agricultural Bank of China, because the interest rates are uniformly set by the People's Bank of China, so the deposit and loan interest rates of the major banks in the country are the same, there is no difference between high and low.

Extended Materials: I. 1The interest rate on deposits is the same for all banks. Interest is calculated according to the deposit interest rate set by the People's Bank of China. You can choose a bank that is closer to home and has a good service attitude.

2.The principal amount cannot be increased in the middle of a fixed deposit. But you can open another fixed term account and save your money for a fixed term.

3.When it expires, you can both withdraw the money. It can also be renewed.

If you renew the deposit, you can choose to automatically redeposit when you make the first deposit, so that when the deposit matures, you do not need to go to the bank to renew the deposit, and the bank will automatically redeposit the principal and interest of the deposit at the same fixed term period and the bank's fixed interest rate of the same grade on the day of automatic rollover. If you need money urgently in the middle of the deposit period, you can bring your ID card and deposit certificate to the bank for early withdrawal. However, early withdrawal of interest will result in a loss.

Interest is no longer calculated on a regular basis, but on a current basis.

2. At present, the banks that can make deposits are basically divided into state-owned banks, joint-stock commercial banks, urban commercial banks, rural commercial banks, village and township banks, private banks, and Internet banks. Judging the quality of a bank's deposits should be examined from several aspects such as the bank's security, profitability, liquidity, and service quality. State-owned banks have the highest level of security.

At present, there are six state-owned banks: Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China. As state-owned enterprises, it is an indisputable fact that the assets of the six banks belong to the state, and there will be no risks of one kind or another casually, and the safety factor is always higher than that of local banks.

Users can deposit money as long as they go to a regular bank. As state-owned banks, six banks, such as the Industrial and Commercial Bank of China, the Bank of China, the Agricultural Bank of China, the China Construction Bank, the Bank of Communications, and the Postal Savings Bank, naturally need not say much about their strength, and the deposit mechanism of the six major banks may be more perfect than that of the local banks. Users can rest assured to go to some large state-owned banks to make deposits, of course, there are some small and medium-sized local banks are getting better and better, as long as it is a regular bank, users can choose according to their personal circumstances.

1. Choose the right bank: users should know more about the deposit interest rate of some banks before depositing, because the deposit interest rates formulated by different banks are somewhat different, many users deposit when they choose a bank to handle the deposit business, which is not cost-effective, and there are some small and medium-sized bank deposit interest rates are also very high;

2. You can consider the large-amount certificate of deposit: if the user wants to deposit a large amount of principal, the interest rate of the fixed deposit is still lower than the deposit interest rate of the large-amount certificate of deposit; The income of large-denomination certificates of deposit is also very stable, and users can consider choosing large-denomination certificates of deposit;

3. The term of the deposit is as long as possible: because the bank's deposit interest rate is the longer the deposit, the higher the deposit interest rate, if the user's family life is more stable, the income is also very stable, for the idle funds can not be used temporarily, you can also consider saving for a few more years, so that the deposit will generate more income.

If some users feel that the return on bank deposits is relatively low, and individuals belong to the more aggressive type of people, then they can consider investment, in the financial investment sector, the risk is lower than **, and the income is higher than bank deposits.

As long as it is approved and authorized by the China Banking Regulatory Commission, it is a regular bank, and it is of course reliable for users to go to the bank to make deposits. This article mainly writes about the knowledge points about which bank to deposit money in, and the content is for reference only.