Can I withdraw a credit union fixed deposit certificate across regions when it matures? How much is

Certificates of Deposit (CDs) are not yet available for cross-border withdrawals. If you set up a password and exchange with the deposit, you can withdraw money from credit cooperatives within the city divided into districts, such as Jining City.

You can send the deposit slip back to Jining along with your ID card and entrust your relatives in Jining to handle it on your behalf. You must bring the ID card of the ** person. There is no handling fee.

Then just give you back the money and ID card.

I don't know much about the setting of the rural credit system in other provinces, but as far as our Guangdong rural credit system is concerned, it is not managed by the whole province like the four major banks, but each city and region has its own independent legal person, and the customer information resources are not shared.

Cross-regional withdrawal of demand deposits can be made by paying a certain handling fee from a regional bank that is not the legal person of the opening bank.

If a customer takes a certificate of deposit to a regional bank that is not the legal person of the opening bank to withdraw money, then who should pay the interest due on a fixed basis? As a non-opening bank legal person regional rural credit bank will definitely not pay, because this is not a deposit within our jurisdiction, the benefits of the deposit opening bank earned, but the interest has to be paid by us, which is a big loss, who would be so stupid!

In general, the withdrawal of a credit union's certificate of deposit with a password can be made at any credit union in the area of the opening bank, and the withdrawal without a password can only be made at the opening bank. When withdrawing the two types of deposit certificates, the identity documents of the head of the household and the ** person must be presented.

Most passbooks, including the fixed passbooks of rural credit cooperatives, can be withdrawn from other places. Extended Information: There are a few things to keep in mind when withdrawing money from a passbook.

1. As long as the passbook of rural credit cooperatives is opened nationwide, it can be withdrawn nationwide, and the ID card of the person handling the passbook must be brought for withdrawals in other places, and the ID card of the head of the passbook for more than 50,000 yuan must be charged, and a handling fee will be charged across cities and provinces.

2. The non-local withdrawal fee of rural credit cooperatives does not charge a handling fee in the province, and only 5,000 yuan can be withdrawn per day for each transaction of 2 yuan for different places and 1% of the transaction amount.

3. For each specific area, you can call the bank ** number or go to the counter for consultation. Rural credit cooperatives can deposit and withdraw money nationwide as long as they open a nationwide deposit and exchange passbook, and the ID card of the person handling the passbook for deposits and withdrawals in other places must be brought with them, and the ID card of the head of the passbook household for more than 50,000 yuan must be charged, and a handling fee must be charged across cities and provinces.

4. The best way to make a fixed deposit.

Fixed deposit is a more stable and principal-guaranteed financial management method for ordinary people, and the interest rate is higher than that of current deposits, so in real life, most people choose this way, so how can we maximize the interest, I will introduce you to several methods.

1) 12 Certificate of Deposit Method.

That is, a savings and investment strategy that deposits a deposit in the bank every month in the form of a fixed year for a full 12 months, and will obtain a large amount of regular income every month from the first month of the next year, which has both the advantages of flexible access and high returns.

2) Ladder savings.

The tiered savings method is to divide the funds into 10,000, 20,000, and 30,000 yuan, and deposit them for one, two, and three years respectively. When the one-year deposit matures, it is rolled over to three years. The expiration of two years is the same as three years.

In this way, after two years, the funds of 60,000 yuan and three cents will be a three-year fixed deposit. And the funding is a year apart. Because every year there is a fund that matures.

Its advantage is to use one year of liquidity and get three years of interest. There will be no interest loss caused by the rollover, and the new interest rate policy can be enjoyed after the rollover.

Can the fixed deposit passbook of rural credit cooperatives be withdrawn in other places? There are two types of deposits in rural credit cooperatives: demand deposits and time deposits. If the fixed deposit at the credit union matures, the withdrawal procedure can only be made at the local credit union where the deposit was made, and the withdrawal cannot be made in other places.

However, if the customer does not withdraw most fixed deposits when they expire, the bank will automatically renew them within a certain period of time to reduce the customer's losses. Hope it helps!

Answer: Hello dear, as long as the passbook of rural credit cooperatives is opened nationwide, it can be withdrawn nationwide, and the ID card of the person handling the passbook must be brought for withdrawals in different places, and the ID card of the head of the passbook for more than 50,000 yuan must be charged, and the handling fee will be charged across cities and provinces.

Question: What did I shoot for the deposit and exchange?

The question still has to be written that the national deposit and exchange can be withdrawn across provinces.

Question Okay, thank you.

Of course, the fixed deposit of rural credit cooperatives can be withdrawn in other places, because the rural credit cooperatives in the country are connected, but they need to be handled in different places.

As far as I know, it is possible to take it in different places in the province, but not outside the province, anyway, it is like this in Zhejiang Province, and it is not possible to take it from Zhejiang on a regular basis outside the province.

OK. Generally speaking, ABC's fixed deposits can handle non-local withdrawals, but there is one prerequisite. When opening a fixed deposit account, the user needs to specify the universal deposit and withdrawal business.

Only fixed deposit accounts that support universal deposits and withdrawals can handle remote withdrawals. If the fixed deposit account does not have the universal deposit and withdrawal function, there is no way to withdraw money from other places. Users can only withdraw funds at the branch of Agricultural Bank of China where the deposit is located.

Further information: 1. What kind of bank do rural credit cooperatives belong to?

In fact, the rural credit cooperatives do not belong to any bank, they belong to a rural cooperative financial institution similar to a bank, and the business handled is basically the same as that of a bank, and the areas that provide financial services are mainly in rural areas.

The nature of rural credit cooperatives is independent, and they are formally established banks with the approval of the China Banking Regulatory Commission, and deposits in rural credit cooperatives are also guaranteed, and deposits within 500,000 yuan will be paid in full to depositors when the credit cooperatives go bankrupt.

Rural credit cooperatives are distributed in all provinces, municipalities and regions across the country, and they are managed by each province. The fact that the Rural Credit Cooperatives have now been renamed Rural Commercial Bank does not mean that the Credit Cooperatives are Industrial and Commercial Bank of China or a subsidiary of the Agricultural Bank of China.

2. The interest rate of a fixed deposit refers to the rate of return paid by the bank to the depositor for the amount of the fixed deposit paid by the depositor in return for depositing the deposit in the bank in the form of a fixed deposit.

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.

Fixed deposit refers to a form of savings in which the depositor deposits cash into a fixed savings account opened by a banking institution, agrees in advance to save for a fixed period of time, obtains a return at an interest higher than that of the demand deposit, and can receive the principal and interest after the maturity of the deposit.

A fixed deposit is the money or currency that the depositor temporarily transfers the right to use to the bank under the condition that the depositor retains ownership, and is the most important source of credit funds for the bank.

In the case of non-local withdrawal, if it is a non-local place within the same province, the fixed deposit can be withdrawn in a different place within the same province or city; If it is inter-provincial, it cannot be withdrawn, and rural credit cooperatives are based on provinces, so in this case, time deposits cannot be withdrawn. In addition, if the time deposit is advanced before it matures, then the rural credit cooperative, like other banks, can also withdraw in advance. However, it should be noted that inter-bank withdrawals are not allowed (even more so for non-local withdrawals), and you must go to the bank in person to provide the depositor's ID card; It can also be partially withdrawn early or after the maturity date.

If you want someone else to withdraw on your behalf, you need to provide both the ID card of the depositor and the person who took the withdrawal before you can withdraw the money.

China Rural Credit Cooperatives (hereinafter referred to as rural credit cooperatives, rural credit cooperatives, English name: rural credit cooperatives) is a rural cooperative financial institution established with the approval of the People's Bank of China, composed of members' shares, practicing democratic management, and mainly providing financial services for members.

China Rural Credit Cooperatives are independent corporate legal persons, which assume responsibility for the debts of rural credit cooperatives with all their assets, and their main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and regulate rural areas, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on usury.

Extended Materials. First, the management system.

As early as the 50s of the 20th century, the People's Bank of China's rural outlets were changed to rural credit cooperatives. The purpose of rural credit cooperatives is that "farmers help each other in terms of funds", that is, farmers form credit cooperatives, and members contribute money to form capital, and members can borrow money with money. Henan Rural Credit Cooperative.

The relationship between the county association and a single credit union is equivalent to the relationship between the head office and the sub-branch. There was a county association in a county, and at first the county association was under the management of the Agricultural Bank; After 1996, it was placed under the management of the People's Bank of China; After 1999, the People's Bank of China gradually established prefectural (city) associations, and county associations were placed under the management of prefectural (city) associations. After 2003, the People's Bank of China withdrew, abolished the prefectural (city) cooperatives, and handed over the management of rural credit cooperatives to the provincial federation, which established the provincial federation, which managed the county cooperatives.

So far, from an economic and legal point of view, each county association is equivalent to an independent bank (enterprise), the actual owner is the provincial **, and the county association in the province jointly invested in the formation of the provincial association, so the provincial association is actually the "son" of the county association; From an administrative point of view, each county association is an administrative department that manages credit cooperatives, and the provincial association is the highest administrative department, so the provincial association is the "old son" of the county association. Because of the higher administrative status, the provincial association has become the actual manager of the county association economically.

Fixed deposits can be withdrawn in other places, and users need to pay a certain handling fee for RMB fixed deposits in other places, with a minimum of 2 yuan and a maximum of 50 yuan for each transaction. There is no fee for local withdrawals.

There are several ways to withdraw fixed deposits:

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.

For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

For unexpired fixed savings deposits, depositors can withdraw part of them in advance as needed, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate. Lump sum deposit and lump sum withdrawal of fixed savings can only be partially withdrawn once per certificate of deposit.

If partial early withdrawal has been made, the deposit institution shall indicate the words "partial early withdrawal" on the deposit slip that has been paid and the newly opened deposit slip for the retained part. (After March 1, 2011, lump sum deposits and withdrawals with CCB, regardless of whether they were previously deposited or subsequently deposited, can be partially withdrawn an unlimited number of times, and there is no longer a limit to one withdrawal.) ）

It can be picked up off-site. If the depositor's fixed deposit is stored in a bank card, he only needs to take the card to the counter in a different place, or transfer the fixed deposit to a demand deposit through mobile banking, and then he can withdraw it in another place; If the depositor's deposit is in the passbook, it is not possible to withdraw money in a different place only with the passbook.

A certificate of deposit is a certificate of deposit that is deposited and withdrawn on the basis of a certificate of deposit. The term is generally one month, three months, six months, one year or more than one year. Interest rates vary with the length of the term, ranging from floating rates to fixed rates.

Pre-60s, certificates of deposit could only be withdrawn by the depositor on the basis of the certificate of deposit, and could not be transferred to others or circulated freely in the market.

Since March 2007, CCB has taken the lead in opening the deposit and exchange service of RMB fixed deposits in bank cards nationwide. With a passbook or certificate of deposit, users can directly deposit and withdraw money at nearly 14,000 CCB outlets across the country.

Will a time deposit be automatically converted to a current account upon maturity?

After the maturity of the fixed deposit, the time deposit will not be automatically converted into a demand deposit, and after the maturity of the fixed deposit of most banks, if the user does not go to the bank to withdraw the funds, the user will deposit another fixed deposit according to the original deposit period. Normally, the interest earned and the original principal will be combined into a new principal directly on the maturity date, and then the interest will be calculated according to the interest rate on the day of the rollover.

I forgot to withdraw my fixed deposit when it expired

If you don't take it at maturity, it will be transferred by default, and it will be the principal stored next time with principal and interest. The interest rate is mostly calculated based on the interest rate on the day of rollover. If it is a lump sum deposit, the system will automatically transfer it back to the current account with principal and interest after expiration.

If it is a lump sum deposit and withdrawal, the system will automatically transfer it to a lump sum deposit with the same deposit period according to the agreed method after expiration. After the automatic rollover, you can manually transfer back to the current account at any time through various channels such as counter, online banking, and mobile banking.