What to do if the person dies and the money is deposited in the bank

If you have a bank card and know the password, you can withdraw or transfer money directly from the ATM.

If the deceased handled a passbook before his death, even if his family members have a passbook and password, there is no way to go directly to the bank to withdraw the money that the deceased deposited in the bank before his death.

Because after the death of the depositor, the deposit will become an inheritance and be inherited by the heirs, and the bank has no way to determine whether the recipient is the sole heir of the depositor, and cannot withdraw the money to any heir without authorization.

The so-called sufficient supporting materials are mainly notarized wills or legal heir documents.

If there is no will, involving multiple legal heirs, it is also necessary to negotiate between multiple heirs, issue a power of attorney, and entrust a representative to withdraw money.

After the death of a person, if there is a bank card and password, go directly to the bank and enter the password to take it out; If you don't know the password, you need to take it out in the way of heirs, and all heirs need to go to the notary office.

If there is no one, the deposit will always be in the bank account, and the bank will not easily touch the deposit.

Extended Materials

At present, major bank deposits.

There are many products, but in general, bank deposits can be roughly divided into demand deposits.

There are three types of time deposits and call deposits, each of which has the following meanings and characteristics:

1. Demand deposit:

It refers to a kind of deposit that can be accessed and used by depositors at any time without prior notice to the bank without an agreed deposit period. It is characterized by access at any time and low interest rates.

2. Fixed deposits:

Also known as dead deposits, and demand deposits are two opposite concepts. It refers to a deposit method in which the depositor and the bank agree in advance on the deposit period (3 months and 5 years), the interest rate and whether to roll over the deposit after maturity. The characteristic is that the interest rate is high, but it is inconvenient to withdraw, if it is withdrawn before the expiration of the deposit period, the interest will be calculated according to the demand deposit.

3. Call Deposit:

As the name suggests, it is a deposit method that needs to notify the bank in advance when withdrawing, and the notice deposit does not need to agree on the deposit period, and can be deposited and withdrawn multiple times. In practice, 7 days notice deposit.

More common. The characteristic is that the minimum deposit amount is higher, if the 7-day notice deposit is handled, the minimum deposit amount is 50,000 yuan. It is more suitable for short-term savings turnover of large amounts of funds.

4. Fix two pennies:

Again, there is no need to specify the deposit period, and unlike call deposits, it can only be withdrawn in a lump sum. It is characterized by flexible deposit methods and can be withdrawn at any time. The interest is calculated according to the 6% discount of the interest rate of the same grade in the whole deposit within one year.

5. In addition, some banks also have education savings and large-amount certificates of deposit.

and other deposit methods. Among them, the threshold for large-amount certificates of deposit is relatively high, and the minimum deposit amount is 200,000 yuan.

To put it simply, the interest rate of the whole deposit and withdrawal is the highest, and the state-owned banks.

The interest rate is generally lower than that of joint-stock or local banks, and the interest rate of call deposits is the lowest, but individuals should also choose the corresponding deposit term according to whether the deposit is not used for a long time or needs to be urgent. The demand deposits and savings deposits mentioned above are deposit insurance.

Within the scope, as long as your deposit in this bank does not exceed 500,000, there will be no loss of deposit if the bank fails, and it is also guaranteed.

If no one knows, the money belongs to the bank, and if the family does not know which bank the deceased person has deposited money in, they need to open an inheritance certificate, bring the household registration book, ID card, bank card, and death certificate to the bank branch for inquiry.

Let's start with the conclusion, if no one knows that he has money in the bank, then the money is eventually counted in the bank's non-operating income. In fact, it is not unreasonable for banks to do this, because no one has the right to know anyone's deposit without the consent of the depositor himself. The bank has tens of millions of customers, how does it know which one died?