Is there a difference between Save Savings and Regular Deposit, and the difference between Nine Pass

There are differences, Save Deposit and Fixed Deposit have different deposit periods, different natures, and different interest calculations

1. Different deposit periods: the deposit period of Save Pass is 1 day to 2 years, the length of the deposit period is determined by yourself, and the funds can be accessed at any time. Fixed deposits are generally divided into 3 months, 6 months, 1 year, 3 years, etc. according to the deposit period.

If the depositor withdraws the fixed deposit before the agreed savings period, the bank will usually handle the transaction in the form of demand deposit.

2. Different nature: Save Pass is a wealth management product. Time deposit, on the other hand, 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 take a fixed period as the saving time, and receives a return at an interest rate higher than that of the demand deposit, and can receive the principal and interest after the expiration of the term.

3. Interest calculation is different: Save Deposit Pass is calculated according to the actual number of days, the longer the deposit period, the higher the interest rate, that is to say, its interest is floating and not fixed. As for fixed deposits, the interest rate of fixed deposits of all banks in China, such as the Industrial and Commercial Bank of China, the Construction Bank, the Bank of China, the Agricultural Bank of China and the Bank of Communications, is the same, which is uniformly stipulated by the People's Bank of China, and the interest rate of the fixed term is one year for one year, and the interest rate for two years for the fixed period is unchanged.

Yes. Interest is not the same. Some banks stipulate that the higher the fixed deposit amount, the higher the interest.

EnjoyFixed depositThe differences between regular and regular are as follows:1The minimum deposit threshold is different. There are two options for China Merchants Bank to enjoy a fixed minimum deposit threshold of 5,000 yuan and 50,000 yuan, and there is no minimum deposit requirement for China Merchants Bank on a regular basis.

3.Withdrawal limits are different. The account balance cannot be lower than the deposit threshold when China Merchants Bank enjoys fixed deposit and withdrawal, otherwise it will be automatically convertedDemand Deposits。There is no early withdrawal limit for fixed deposits.

With the account opening and deposit date as the first interest date, the interest will be withdrawn in installments on a monthly and front-end basis, and the current month, quarter, and annual interest will be paid directly to the customer after the account opening and deposit of the Jiutong "preferential interest deposit", and the system will automatically calculate the interest on the corresponding interest date and report it to the debit card used by the customer for the product.

Current account or transfer to ** Auto Investment.

Contracted Accounts.

The preferential deposit period is one year, and the principal can be deposited and withdrawn in a lump sum, Jiutong Save deposit interest + zero deposit and withdrawal, Jiutong Save deposit interest + lump sum withdrawal, Jiutong Save deposit interest + ** fixed investment, and the interest is arranged from low to high.

With the account opening and deposit date as the first interest withdrawal date, the interest will be withdrawn in installments on a monthly and front-end basis, and the monthly and quarterly interest will be paid directly to the customer after the completion of the account opening and deposit of the Jiutong "Preferential Interest Deposit", and the system will automatically calculate the interest on the corresponding interest date on each interest date and transfer it to the current account of the debit card used by the customer for the product or transfer it to the ** automatic investment signing account.

Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for fixed account opening is 50 yuan, and there is no limit to more deposits.

The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

Extended Information] Preferential Deposit (launched by Bank of Communications) is a time deposit, the deposit amount must be more than 10,000 yuan at the time of processing, and users can use their personal Bank of Communications debit card when they want to apply for a one-year fixed deposit. Users can withdraw their fixed deposits in advance, but they will flexibly calculate interest according to different interest rate levels, so that users can enjoy the maximum return on their deposits.

Preferential Deposit is a fixed deposit, which will have a lower return, but it is risk-free and very flexible. If users want to pursue a high amount, they can buy the wealth management products launched by the bank, so that they can get a good return on their spare money, but they will face certain risks.

Q&T Preferential Deposit is a time deposit product.

Jiutong Preferential Deposit is the exclusive and popular time deposit product of Hankou Bank. This is an innovative savings deposit product launched by Hankou Bank, which is divided into two types: A and B. Section A is aimed at short- and medium-term savings deposit customers, with a term of one year, and the interest will be calculated according to the listed interest rate of Hankou Bank for one-year lump sum deposit and withdrawal after the deposit period of one year, and the interest will be calculated according to the bank's two-year lump sum deposit and lump sum listed interest rate from the date of account opening to the date of withdrawal.

Section B is aimed at medium and long-term savings deposit customers, with a term of two years and three years, and according to the different minimum deposit amount of the product, it will be differentiated on the basis of the listed interest rate of the whole deposit and withdrawal of the same term of Hankou Bank.

Jiutong Preferential Deposit is a time deposit product protected by the national deposit insurance system.

There is no interest at maturity of the Save Deposit Pass, and bank deposits have a deposit time limit, and interest is only available within the time limit.

Extended information: Save Deposit is CCB's savings deposit business, which is simply described as a relatively flexible time deposit business. CCB Save Pass is a wealth management product with guaranteed principal and interest and basically zero risk, with a minimum deposit period of 1 day and a maximum of 2 years, with a minimum deposit amount of 5,000 yuan, and a low threshold.

In addition, CCB's Save Deposit Pass has a flexible deposit period, supports withdrawal at any time, and calculates interest based on the actual number of deposit days, the longer the deposit period, the higher the interest rate, generally 30% above the benchmark of the People's Bank of China, and the annual interest rate can reach up to . Save Pass has the characteristics of the longer the deposit period, the higher the interest, and we can withdraw money at any time if we need it, which is very convenient.