Can I withdraw my bank fixed deposit on the maturity date or after the maturity date?

The so-called fixed deposit, also known as the "fixed deposit certificate", is a deposit in which the bank and the depositor agree in advance, agree on the term and interest rate, and pay the principal and interest after maturity.

The tenor of a time deposit is set at a ...... from the date of deposit

In other words, if you deposit a fixed deposit on January 1st, the start date of the fixed deposit is the date you deposited: January 1st.

As for the cut-off period of the time deposit, it is calculated from the date of the start of the term deposit to the date of maturity of the ......

For example, if you place a one-year term deposit on January 1, the cut-off date for this term deposit is December 31 ...... that yearExactly a whole year.

In this way, the maturity date of this fixed deposit is clear ......When the term of the fixed deposit expires, the depositor can withdraw the money even if the deposit matures.

Let's use the above example to illustrate ......If a fixed deposit with a tenor of 1 year is placed on 1 January, the deadline for this deposit is 31 December of the same year. So, the next day, January 1 of the following year, the depositor can go and withdraw the deposit.

In fact, the maturity date and withdrawal date of the fixed deposit have been clearly marked on the certificate of deposit......On the certificate of deposit, there is a clear "withdrawal date" information, and the depositor only needs to withdraw the money on the day marked in the withdrawal date column, without having to think about the problem of withdrawing money on that day.

Withdrawals can be made on the same day. Fixed deposits can be withdrawn on the day they mature, and there is no need to wait until the next day. Customers can withdraw at the counter of the branch as long as they bring their ID card and bank card on the day of the maturity of the fixed deposit, and of course, they can also operate directly through online banking or mobile banking.

It should be noted that if the fixed deposit is not withdrawn after maturity, the subsequent interest will be calculated according to the current deposit interest rate.

The fixed deposit can be withdrawn on the day of maturity, no need to wait until the next day, you can re-deposit it immediately after withdrawing it on the same day, and the interest will be calculated according to the agreed interest rate on the day of the deposit, if it is withdrawn again the next day, not within the agreed period, the interest will be calculated according to the current interest rate, and the current interest rate is about and so. Fixed deposit is an investment 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. Fixed deposits can be withdrawn on the same day when they mature, but users can choose to withdraw them on the next day.

According to the standards of financial institutions, fixed deposits can be used at any time, but they can be withdrawn in advance and the interest will be calculated on demand.

If the user withdraws on the maturity date, the interest on the fixed deposit will be calculated according to the regular period. Further information: What is the meaning of time depositTime deposit, also known as "certificate of deposit", refers to 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.

The term of a fixed deposit is generally 3 months, 6 months, 1 year, 2 years, 3 years, 5 years, 10 years, or even longer, and the longer the term of the fixed deposit, the higher the interest rate. Time deposit is a bank deposit method that deposits funds in the bank according to the fixed deposit time and determined deposit interest rate, and then withdraws when the deposit matures, the deposit interest rate of time deposit is higher than the deposit interest rate of demand deposit, and the longer the fixed deposit, the higher the interest rate of the deposit, in addition, the fixed deposit is not a deposit that can not be withdrawn in advance, the user can withdraw the time deposit in advance, and the interest rate of the early withdrawal part is calculated according to the current deposit interest rate listed by the bank on the withdrawal date. Interest will continue to accrue on the remainder at the time of the original deposit and the interest rate on the deposit, and the principal and interest will be repaid at maturity.

When a bank fixed deposit matures, it is withdrawn on the same day, not the next day.

Fixed Deposit After the maturity of the fixed deposit, how to deal with it:

If you don't want to continue to deposit, you can withdraw the money from the bank, and the bank will settle the interest at one time and return the principal at the same time;

2. If you want to continue to deposit, you can ignore it, the bank will automatically transfer the deposit by default, that is, according to the original deposit period, and then deposit for a fixed period.

On the maturity date, the bank will automatically settle the interest, and the interest earned and the original amount will be combined into a new principal and transferred to the next deposit period.

According to the deposit interest rate of the same period listed by the bank on the transfer date, the interest of the next deposit period will be calculated.

Bank fixed deposits can be withdrawn on the day of maturity, and they must be withdrawn in advance after the maturity date.

Deposits can be withdrawn on the same day they mature, and you don't have to wait until the next day. On the day of maturity, all previous deposits can be withdrawn in full.

The next day, if it is not within the agreed period, the interest on the next day will be calculated according to the current interest rate listed, which is not cost-effective for users. Therefore, please withdraw the money on the same day when the deposit is due.

A fixed passbook can be withdrawn on the maturity date. For example, if it expires on the 5th, it can be withdrawn on the 5th, and the interest will not be reduced. If the deposit is not withdrawn after maturity, the bank will automatically convert the deposit into a demand deposit on the day after the maturity date, and the deposit interest rate will be applied according to the current deposit on that day.

Further Information] 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.

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.

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.

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

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. If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that have been paid and the newly opened deposit receipts 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.) ）

Deposits can be withdrawn from 9 a.m. to 5 p.m. on the day they are due.

After the deposit expires, it can be withdrawn during the bank's business hours, and the bank's business hours for private business are generally from 9 a.m. to 5 p.m., and the business hours of different banks are different. If the funds are not withdrawn on the maturity date of the deposit, the client does not apply for the maturity transfer of the fixed deposit.

It will be converted to a current account.

The fixed deposit can be withdrawn on the day of maturity, no need to wait until the next day, you can deposit it again immediately after withdrawing it on the same day, the interest will be calculated according to the agreed interest rate on the day of the deposit, if it is withdrawn again the next day, not within the agreed period, the interest will be calculated according to the current interest rate, and the current interest rate is about and around.

Fixed deposit is an investment 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.

The fixed deposit can be withdrawn on the day of maturity, and there is no need to wait until the next day, it is recommended to withdraw the fixed deposit on the day of maturity. If you withdraw it on the same day, you can deposit it again immediately, and the interest will be calculated according to the agreed interest rate on the same day, if it is withdrawn again the next day, it will not be within the agreed period, and the interest will be calculated according to the current interest rate, and the current interest rate will be about it. Fixed deposit is an investment 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.

Extended Materials. The fixed deposit will be withdrawn on the day of maturity.

1. If you want to continue to deposit, go to the bank to continue the deposit on the same day. However, some banks have opened automatic rollover when handling fixed deposits, and you can continue to deposit fixed deposits without going to the bank. The automatic rollover is automatically generated according to the original deposit period, and you need to go to the bank to change it.

Interest is also calculated from the day of the day.

2. If you don't want to continue to deposit, you must go to the bank to withdraw the money on the same day, or you can get the bank interest and the original principal at one time.

3.In order to increase the profit, it is necessary to choose a longer term; To ensure liquidity, try something like this:

For example, if you deposit $2,000 per month, in the first month, $1,000 will be deposited for 3 months (due in the 4th month), and the other $1,000 will be deposited for 6 months (due in the 7th month). In the second month, 1,000 yuan is deposited for 3 months (due in the 5th month), and another 1,000 yuan is deposited for 6 months (due in the 8th month); In the third month, 1,000 yuan is deposited for 3 months (due in the 6th month), and another 1,000 yuan is deposited for 6 months (due in the 9th month); In the fourth month, the first month of the 3-month period of 1,000 yuan is deposited for 6 months (the 9th month expires), and the 2,000 yuan in the current month is deposited for 12 months (the 16th month expires); Fifth month.