Do bank fixed deposits have to be withdrawn on the same day?

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.

If the withdrawal is made before February 5, 18, the withdrawal part will be calculated according to the current interest rate on the date of withdrawal, and the regular interest rate will not be enjoyed.

Bank fixed deposits do not necessarily have to go to the opening bank to withdraw when they expire, and now they are generally deposited and exchanged. That is, when your fixed deposit matures, any bank in the city can withdraw it. No, you don't have to go to the opening bank.

Points to note: 1. If it is an agent of **person: the original ID card of the **person and the original ID card of the owner of the passbook must be held;

2. If the unexpired time deposit is withdrawn in advance: the interest cannot be calculated according to the regular term, but the fixed period*, which is almost settled according to the interest of the current account.

Check the bank card for fixed deposits, whether it says Deposit and Redemption, if so, you can go to other outlets of the same bank to handle withdrawals.

If you don't have an explanation for deposit and exchange, you can only withdraw money at the deposit outlet.

If in doubt, you can call **. Bank customer service consultation.

Thank you for your question.

Fixed deposits do not have to be withdrawn at the bank where they were deposited, as long as they are at the same bank. Under normal circumstances, it is deposited and exchanged, so there is no need to go to the opening bank to withdraw money. Fixed deposits are due, and any bank in the city can withdraw them.

Further Information: 1: What is Time Deposit?

Time deposits are also known as"Certificates 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. What is the significance of fixed deposits?

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

2. The deposit period is three months, six months, one year, two years, three years and five 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.

3. The interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit when withdrawn at maturity, and the interest shall be calculated according to the current savings deposit interest rate on the date of withdrawal for early withdrawal, and the interest shall be calculated according to the interest rate of the current deposit on the date of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

4. For unexpired fixed savings deposits, depositors must present the certificate of deposit and the identity certificate of the depositor if they withdraw it 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.

5. 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 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 paid according to the original deposit date and the original interest rate when it is withdrawn at maturity. Partial early withdrawal can only be made once per certificate of deposit, and if partial early withdrawal has been made, the savings institution shall indicate this on the deposit slip that has been paid and the newly opened deposit slip for the retained part"Partial early withdrawal"Words. (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.) )

If it is a fixed deposit. You have set a password when making a deposit. It can be withdrawn from the same bank and other branches. If you don't have a password, you can only withdraw it from the bank where you made the deposit.

At present, the business is basically handled online, and the fixed deposits that have opened the general deposit and exchange can be withdrawn at any outlet, and the fixed deposits that have not opened the general deposit and exchange can only be withdrawn at the business outlets where the deposit is made.

If your fixed deposit is stored in your bank card, you can withdraw it at any outlet of your peers, if you deposit a fixed deposit certificate or passbook can be exchanged through deposit and exchange, it can also be withdrawn at any peer outlet, if you choose not to deposit and exchange, then you can only withdraw it at the outlet where you deposited at that time, but basically it is all deposited and exchanged, unless you have special requirements.

It can generally be taken out at any time. However, the interest may be gone, or it may be current. There are also regulations that cannot be taken out.

If it is a fixed deposit, it must be deposited for a time before it can be withdrawn from the bank, and if there is savings, it may also be partially withdrawn in advance, which is calculated according to the current interest rate.

The fixed deposit must be withdrawn by the bank at the time of the low payment, no? It can also be taken out on a regular basis, but it is calculated according to the current period.

If it is a fixed deposit, it does not have to be withdrawn in the bank where the deposit is made, for example, if you deposit in ICBC, then any ICBC can deposit and withdraw money.

Where did you make your deposit? Where do you have to take it out? And the fixed deposit, as long as it is after this time can be obtained, if you withdraw it within the specified time, he has no way to withdraw it, for example, if you deposit in the Agricultural Bank of China, you will get the Agricultural Bank of China to withdraw money

Fixed deposits can only be withdrawn at the bank where they are deposited, and this type of deposit cannot be deposited and exchanged!

No, because now the fixed deposit has to enter the password, as long as the fixed deposit has the password, it can be withdrawn in the same city.

No, you can pick it up at different branches of the same bank, as long as it is from the same local bank.

Do I have to withdraw my fixed deposit at the bank where I made the deposit? Fixed deposits, if they expire, must be withdrawn from the bank where they were deposited.

Fixed deposits must be made at the same bank, but not necessarily from the same bank.

Fixed deposits can be withdrawn from the same bank in different regions.

Withdrawals can be made at the bank's local branches.

Fixed deposits must be withdrawn from the bank where the deposit was made.

Fixed deposits can be withdrawn on the maturity date. Fixed deposits can be withdrawn as soon as they mature, and there is no need to withdraw them after the maturity date.

On the maturity date, customers can choose to bring their ID cards and deposit certificates to bank outlets for withdrawal, or they can choose to withdraw directly on online banking and mobile banking.

However, if you withdraw after the maturity date, the interest on the funds will be calculated according to the current interest rate in the days after the maturity date.

Fixed deposits can also be withdrawn in advance, but if you withdraw in advance, the interest on the part of the funds withdrawn will also be calculated according to the current interest rate.

Further information: Time 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, and receives a return at an interest higher than that of the current deposit, and can receive the principal and interest after the maturity.

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.

If the depositor withdraws the fixed deposit before the agreed savings period, the bank will usually handle the transaction in the form of a demand deposit. Depositors are often required to notify the bank one day in advance to request an appointment for withdrawal before they need to withdraw a large amount of deposit, in case the bank has enough cash to make the payment.

The interest rate on bank deposits is not adjusted every year, but is made by the state at any time according to the operating conditions of the economy, and the interest rates on 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, are the same, and this is uniformly set by the People's Bank of China.

Interest rates are divided into simple interest and compound interest rates:

Interest i=p*i*n, where i represents interest, i represents interest rate, and n represents the number of years of deposit. China uses the simple interest calculation method.

Simple Interest Method: Interest = Principal Interest Rate Term.

Compound interest method (used to calculate interest on automatic rollover): f=p (1+i)n (power).

f: Compound interest terminal value. p: Principal. i: Interest rate. n: an integer multiple of the time the interest rate was obtained.

The interest rate is the basis for calculating the amount of interest, and it is an important lever to mediate economic development.

Interest rates generally have three forms: annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a few percent of the principal amount and is called in China"points";The monthly interest rate is expressed in thousandths of the principal amount and is called in China"PCT";The daily interest rate is expressed in a few ten-thousandths of the principal amount and is called in China"milli"。

Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits and time deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

You can take it out after three days. Even if the fixed deposit is not due, you can also withdraw money at the provincial outlets of the opening bank with the passbook and ID card, among which the passbook account with the password can be withdrawn in the province, and the fixed account without the password needs to be withdrawn at the opening bank. It should be noted that fixed deposits cannot be withdrawn across provinces, and early withdrawal will deduct interest.

Further information: Can I withdraw my fixed deposit in advance?

Bank fixed deposits can be withdrawn in advance.

However, if the withdrawal date is not reached, the interest will be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date.

The part that has not yet reached the withdrawal date shall be withdrawn in advance, and the interest shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the interest shall be paid at the original deposit interest rate when the remaining part matures.

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 will 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.

4. RMB fixed deposits are usually divided into six interest rate grades: three months, six months, one year, two years, three years and five years. The foreign exchange fixed deposits of Chinese-funded enterprises can be divided into five grades: one month, three months, six months, one year and two years.

5. During the deposit period, the interest shall be calculated and paid according to the fixed deposit interest rate announced on the date of deposit, and the interest will not be calculated in stages in case of interest rate adjustment.

How to calculate the interest on regular early withdrawals?

If the unexpired time deposit is fully withdrawn in advance, the corresponding interest will be calculated according to the current deposit interest rate on the date of withdrawal, if it is partially withdrawn, the interest will be calculated according to the current deposit interest rate on the date of withdrawal, and the interest will be calculated according to the interest rate of the time deposit agreed at the time of original deposit. In other words, if you have a deposit of 100,000 yuan and you withdraw 50,000 yuan, the remaining 50,000 yuan will be calculated for you according to the original interest. Therefore, if you don't need it urgently, it's better not to take too much, so as not to lose interest.

Are banks stable on a regular basis?

This is a topic that many people are concerned about, some old people feel that the money is still safe at home, and they don't trust the bank very much, in fact, the bank is the safest place to deposit, the general large banks are guaranteed principal and interest, and the interest promised to you is definitely not a penny less, and the possibility of the failure of those large banks is not large, so there is no need to worry about your money will be gone. Generally speaking, it is relatively safe to keep money in the bank.

Fixed deposits are OK, but they are not cost-effective. It's just a day away, so wait. The last time I had a passbook on it, I saved it for a year, and then I went to the counter to pick it up when it was a day away, and I was scolded to death by an adult.

You can withdraw money, but you can't calculate interest according to the original deposit interest rate. According to the Regulations of the People's Bank of China on the Administration of Savings Deposits, early withdrawal of fixed deposits shall be subject to interest calculated at the current deposit interest rate listed on the date of withdrawal. If you are not in a hurry to use it, you should wait until the maturity date to withdraw it, so as to avoid the loss of interest, after all, there is only one day left, which is a pity.

No, you cannot.

Must be withdrawn after expiration.

Otherwise, if it is withdrawn in advance, it will be counted as current interest.

OK. Fixed deposits can be withdrawn at any time. You can log in to online banking or mobile banking to make withdrawals, or you can bring your ID card and deposit certificate to bank branches to withdraw.

However, it should be noted that if the time deposit is to be withdrawn in advance, the interest must be calculated according to the demand deposit interest rate.

If all the funds are withdrawn in advance, the interest will be calculated according to the interest rate of the current savings deposit on the day of withdrawal; If only part of the funds are withdrawn, the interest will be calculated according to the interest rate of the current savings deposit on the date of withdrawal, and the interest will still be calculated according to the deposit interest rate on the date of account opening for the unwithdrawn part of the funds.

It can be seen that the interest received from the full withdrawal of the fixed deposit at maturity is the highest, while the interest obtained by the full withdrawal in advance is the least. Therefore, it is not recommended to withdraw time deposits casually. If there is a requirement for capital flexibility, it is recommended that the direct survival period is better, or save a part of the funds for a fixed period and a part of the funds for a current period to meet the daily withdrawal needs.

Extended information] We should all know that the bank's fixed deposits have a certain fixed term, which can be chosen by depositors, not that you want to save for three months and one day to have such a choice, basically they are fixed. In general, the fixed term of the bank is as short as three months and as long as five years.

We should all know that because of the particularity of time deposits, it is best not to withdraw them in advance before the time deposit expires, because it is very likely that there will be a risk of losing interest, because as long as the time deposit is terminated, your deposit will only be calculated according to the interest of the current account, relatively speaking, it will be much less, which means that it is not cost-effective.

Savings Regulations:

Article 24: If the unexpired time savings deposit is fully withdrawn in advance, the interest shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal; If part of the withdrawal is made in advance, the interest shall be calculated and paid according to the interest rate of the current savings deposit announced on the date of withdrawal, and the interest shall be calculated and paid according to the interest rate of the fixed savings deposit announced on the date of opening of the certificate of deposit when it matures.

Article 25: Except for the part of the fixed savings deposit that is withdrawn after the deadline and exceeds the original deposit period, the interest shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal, except for the automatic transfer of the deposit as agreed.