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At present, bank deposits generally do not have deposit receipts, but there are electronic deposit receipts, and the bank can be asked to print out the electronic transfer slip and stamp their official seal.
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Not necessarily, just like now, you can buy fixed deposits directly on mobile banking, which can be directly reflected when you take the card, and you don't need a certificate.
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Generally, there will be a receipt, if there is no don't worry, it is called a time period certificate, and there is a silver root.
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There must be, if not, how do you know if the money has been saved? If you don't give the voucher, you will receive a text message.
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It doesn't matter which bank you keep your fixed deposits.
There will be a voucher.
There are two types of deposit certificates:
1. Fixed deposit certificate.
After depositing the fixed deposit, the bank will give a paper deposit slip with the name of the depositor, the deposit amount, and the deposit interest rate.
Interest at maturity, deposit date, maturity date, etc.;
A fixed deposit certificate is a certificate of deposit.
Fixed deposit certificates for access. The term is generally one month, three months, six months, one year or more than one year. If you sell, the interest rate varies with the length of the term, and there is a floating interest rate.
There are also fixed-rate ones.
2. A one-stop time deposit: it is a passbook.
There can be multiple time deposits in it, and each deposit is recorded: deposit date, maturity date, deposit interest rate, maturity interest, etc.
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It doesn't matter which bank you keep your fixed deposits.
There will be a voucher.
There are two types of CDs:
1. Certificate of deposit: After the completion of the fixed deposit, the bank issues a paper certificate of deposit, which records the name of the depositor, the amount of the deposit, and the interest rate of the deposit.
Interest to maturity, deposit date, maturity date, etc.
A certificate of deposit is a certificate of deposit with a term of deposit, with a tenure of one month, three months, six months, one year or more than one year, and the interest rate varies with the length of the term, and there is a floating interest rate.
and fixed interest rates.
2. A passbook.
A passbook can hold multiple time deposits, various deposit records, deposit date, maturity date, deposit interest rate, maturity interest, etc.
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The reason why the bank card is not given a certificate is because there will be a record in the bank's system. You can go to the bank and make a fixed deposit.
Audit records, which are a bit like a passbook.
For each interest, this audit record will be displayed. Now it's all about giving you a fixed account that hangs on your card, with no passbook or certificate of deposit.
or you can check it at the counter with a card.
1. Time deposit is also known as "certificate of deposit". 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. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.
2. Vouchers are also known as accounting vouchers.
It refers to a written certificate that can be used to prove the occurrence of economic business events, clarify economic responsibilities, and register account books accordingly, and have legal effect. Vouchers can be divided into original vouchers.
and accounting vouchers.
Further information: 1. The deposit interest rate of the fixed savings deposit shall be based on the deposit interest rate on the date of opening the deposit certificate at maturity.
Interest is calculated and paid, and interest is calculated according to the current savings deposit interest rate on the date of withdrawal for early withdrawal, and interest is calculated according to the interest rate of the current deposit on the day of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.
2. For unexpired fixed savings deposits, depositors must present the certificate of deposit and the identity certificate of the depositor if they withdraw in advance; 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.
3. For unexpired fixed savings deposits, depositors can withdraw part of them in advance according to their needs, and the verification procedures remain unchanged, and the interest rate withdrawn in advance shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be paid according to the original deposit date and the original interest rate when withdrawn at maturity. Partial early withdrawal can only be carried out once per lump sum deposit and lump sum fixed deposit, and if partial early withdrawal has been handled, the deposit certificate paid by the savings institution shall be made.
and the newly opened deposit slip of the retained part are marked with the words "partial advance fiber excavation withdrawal". (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.) )
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There are certificates of deposit on a regular basis.
A certificate of deposit is a certificate of deposit issued by a depositor to a depositor for a fixed period of time when the depositor deposits funds in a financial institution. The certificate of deposit must indicate the deposit amount, start and end date, deposit interest rate, etc., and the financial institution shall repay the depositor together with the principal and interest when the deposit matures.
There are two types of certificates of deposit: negotiable certificates of deposit and non-negotiable certificates of deposit.
Further information: Essentially, CDs are still fixed deposits with banks.
But certificates of deposit are also different from deposits:
1) Fixed deposits are nominal, non-transferable and cannot be used in the financial market.
Certificates of deposit, while certificates of deposit are bearer and can be transferred in the financial markets.
2) The amount of fixed deposits is not fixed, some are large and some are small, and some are whole and small, and the amount of deposit certificates is fixed, and it is a large integer, at least 500,000 US dollars, and the trading unit in the market is 1 million US dollars.
3) Although the fixed term of the fixed deposit can be withdrawn in advance before the beginning of the pre-maturity period, but the higher interest due to it is lost; Certificates of deposit can only be withdrawn at maturity and cannot be withdrawn in advance.
4) The term of fixed deposits is mostly long-term; The maturity of CDs is mostly short-term, ranging from 14 days to 1 year, and relatively few are more than 1 year.
5) The interest rate on fixed deposits is mostly fixed; The interest rate on certificates of deposit is fixed or floating, and even if it is a fixed interest rate, when it is transferred in the secondary market, it is still subject to the prevailing market interest rate.
Compute. Quality.
Negotiable certificates of deposit issued by banks are still promissory notes in debt certificates in nature.
The bank promises to repay the principal and interest at maturity, and investors who purchase certificates of deposit can exchange the certificates of deposit** for cash when they need funds. Certificates of deposit combine the advantages of deposits and short-term** in one, which brings convenience to banks and benefits to customers.
Certificates of deposit have higher interest rates than Treasury bills with similar repayment periods.
interest rates. This difference is due to the credit risk of the CD.
The degree of the ratio type such as the larger decision, also because the liquidity of certificates of deposit is not as liquid as Treasury bills, the secondary market.
There is less demand for certificates of deposit, and the income of certificates of deposit is taxed more widely. In the U.S., CD earnings are taxed at all levels**, and differences in interest rates on certificates of deposit are reflected in differences in the interest rates of certificates of deposit. In the early stage of the development of the certificate of deposit market, the difference between certificates of deposit was relatively small, but gradually the buyers of certificates of deposit began to choose between certificates of deposit issued by different banks, with banks with high credit standing issuing certificates of deposit with low interest rates and banks with poor credit standing issuing certificates of deposit with high interest rates.
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. >>>More
Yes, you can withdraw money from a bank in a different place if you deposit a fixed deposit, because the money you deposit only indicates how much you have saved and how long you have deposited, and does not show that you are saving money in **, so as long as it is the same bank, then you can withdraw money all over the country.
is also relatively safe.
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Agricultural Bank of China. Version: Debit card.
As long as the user's password is not leaked, the funds are safe. The funds in the usual bank card are stolen, but they are only current, and they cannot be withdrawn when they are done regularly; Convenient, as long as a card, no need to carry a passbook. >>>More
For example, if the one-year time deposit is handled on February 5, 2017, then the withdrawal business can be handled on or after February 5, 2018. >>>More