How to convert bank deposits from demand to time

There is no way to convert a fixed deposit of a bank card to a current deposit, because both the fixed deposit and the current deposit can be used at any time. 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If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that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.

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.

Go to the bank and withdraw the money from the current deposit and open a fixed account.

Remember to bring your ID and choose a suitable deposit period.

Although the longer the deposit tenor, the higher the interest rate, considering the recent frequent increase in deposit interest rates by banks, it is not advisable to deposit for too long at present. It is recommended that you choose a half-year or one-year deposit period, so that you can catch up soon after the bank raises interest rates, and you don't have to worry about whether to roll over.

Online banking can be operated.

If you don't have online banking, just go to the counter and go through the formalities.

If you need to convert CCB time deposit into current deposit, you can do so through the latest version of mobile banking, personal online banking, branch offices, etc. The specific operation process is as follows:

1.If your transfer-out account has signed up for mobile banking, you can log in to the latest version of mobile banking, click "Transfer-Fixed-Subscription Transfer" on the homepage, select "Regular Transfer", and then select the collection and payment account, deposit period, deposit and withdrawal amount and other information, and complete the operation according to the prompts. If you need intra-card transfer, please select "In-card transfer"; To transfer to a different account, select "Enter Payout Account".

2.If your transfer-out account has signed up for online banking, please log in to personal online banking, click "Transfer and Remittance - Fixed Transfer", select the payment account and payment sub-account, fill in the receiving account information, if you need to transfer within the card, you can check "Intra-card transfer", enter the transfer amount, and then follow the prompts to complete the operation.

3.Please bring your valid ID card and account medium to any CCB branch in China to apply for regular transfer.

CCB's regular transfer to current account operation process:

1. Log in to the official website of CCB and click on Personal Internet Banking to log in;

2. Then enter your login name, login password and verification code;

3. After logging in to the personal interface, click Transfer & Remittance - Fixed Live Transfer;

4. Select the transaction, enter the amount, and click Next;

5. After checking the information, click OK to make the transfer successful;

6. To convert to current account regularly, just select the fixed account in the payment sub-account;

7. Then check the information, click OK after it is correct, so that the funds in the period will be transferred to the current account.

Extended information: Fixed deposit is a more conservative way to save money, investors can choose to continue to redeposit when time depositing, so that the deposit will continue to accrue interest according to the previous fixed interest after maturity. If the investor does not choose the rollover function, the funds will be automatically transferred to the investor's current account after maturity, and the details can be queried at that time.

In addition, large-amount certificates of deposit are also time deposits, but the principal and interest will be automatically returned after the maturity of large-amount certificates of deposit, and the funds will not be transferred.

Withdrawn on the maturity date of the fixed deposit:

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

Also, if you don't plan to withdraw it, you can also transfer it. In fact, as long as the customer submits an application to the staff for automatic rollover at maturity at the time of deposit, the bank will automatically transfer the deposit principal and interest to the second deposit period after the customer's fixed deposit matures. Moreover, there is no limit to the number of rollovers, and the interest on the renewal period will be calculated according to the interest rate of the previous maturity date.

Fixed deposits can be converted into demand deposits. As long as you bring your ID card, bank card or passbook or deposit receipt to the counter of the bank branch to find the staff to handle it; Or log in directly to online banking or mobile banking. Some banks can directly transfer to current accounts on online banking and mobile banking.

The steps are as follows:1The user logs in to the mobile banking of Bank of China, logs in to the personal account, and enters the homepage of the mobile banking.

2.Then select "Home - Deposit Management" to directly enter the Bank of China mobile banking deposit and wealth management page;

3.According to the deposit product information displayed on the page, select the time deposit product you need to handle;

4.Then follow the prompts on the page and sign up for a fixed deposit.

If the user wants to deposit the cash in his hand into the fixed term of the Bank of China, he needs to deposit it in the bank ATM first, or ask the staff to help him make the deposit.

Further information: 1. Introduction of Bank of China:

Bank of China is one of the largest state-owned banks under the management of the Communist Party of China and a state-owned financial institution under the leadership of the Communist Party of China, with a certain degree of internationalization and diversification. Like other large state-owned banks, Bank of China's business scope covers the fields of commercial banking, investment banking and insurance, and is mainly responsible for the related business of commercial banks, including corporate finance business, personal finance business, capital deposit and loan business, and financial institution business. Bank of China has a holding financial institution of Bank of China Hong Kong, Bank of China International and Bank of China Insurance, which is established to provide comprehensive and high-quality financial services to individual and corporate customers on a global scale.

2. From 1912 to 1949, the Bank of China successively exercised the functions of a first-class bank, an international exchange bank and an international first-class professional bank, adhered to the mission of serving the people and revitalizing the national finance, and went through hardships and arduous struggles to occupy a leading position in the national financial industry for a long time and occupied a place in the international financial community. After 1949, Bank of China has long been a national foreign exchange and foreign trade professional bank, unified operation and management of national foreign exchange, carried out international settlement, overseas Chinese remittance and other non-foreign exchange business, and vigorously supported the development of foreign trade and economic construction.

3. By the end of 2017, it provided customers with comprehensive financial services in Chinese mainland and 53 countries and regions. It is mainly engaged in commercial banking business, including corporate finance business, personal finance business and financial market business, and carries out investment banking business through its wholly-owned subsidiary, BOCI Holdings, insurance business through wholly-owned subsidiaries BOC Group Insurance and BOC Insurance, direct investment and investment management business through BOC Group Investment, BOC Management through holding BOC Aviation, and BOC Aviation Operates aircraft leasing business.

Put a fixed deposit.

To convert to current account, users only need to bring their identity documents, bank cards or bank passbooks, and deposit certificates.

Go to the service desk of the bank's branch and ask the staff to handle it, or log in to the online banking directly.

Mobile banking is also available. Some banks can directly transfer to current accounts on online banking and mobile banking.

Banks and depositors promise each other a deadline and interest rate in advance when they auction their savings, and the savings that withdraw the principal and interest after the expiration of the term are time deposits. There are some fixed deposits where the depositor needs assets to be sold in the market before maturity; There are some fixed deposits that cannot be changed, and if the depositor chooses to acquire assets from the bank before maturity, he will need to pay a certain amount of money to the bank. We would like to request that cash and demand deposits can be directly processed for fixed deposits, and the minimum deposit amount for regular account opening is 50 RMB.

Term is a type of savings in the bank, and the term can range from 3 months to 5 years, and more than 10 years. Generally speaking, the longer the savings period, the annual interest rate.

the higher. If you don't withdraw money often, it is recommended to deposit it as a fixed deposit, so that the interest rate will be higher. Hope mine is helpful to you!

How to operate the bank card regularly to current account group draft: 1. First log in to your personal online banking, and then in the personal interface, click on transfer and remittance, select the current to regular transfer of fixed and reciprocal transfers, then select the type of fixed deposit and the type of deposit, then enter the amount, click "transfer out", after checking the information, click OK, and you can successfully convert the regular deposit into a current deposit. 2. You can also bring your bank card to the bank counter to find the staff for processing.

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.

How to transfer a bank card to a current account on a regular basis How to transfer a bank card to a current account on a regular basis.

A demand deposit is a bank deposit that can be accessed and transferred at any time without any prior notice. These can take the form of checking deposit accounts, certified cheques, cashier's checks, traveller's cheques and letters of credit. Demand deposits account for the largest part of a country's currency** and are also an important fund for commercial banks**.

How to transfer a bank card to a current account on a regular basis How to transfer a bank card to a current account on a regular basis.

Demand deposits not only have the functions of a means of monetary payment and circulation, but also have a strong ability to derive money, which is the focus of commercial banks' operations. The interest rate on demand deposits is generally low; Commercial banks in Western countries generally do not pay interest, and some even charge a certain amount of handling fees.

To convert a fixed deposit into a current account, users who need to return to the bank can bring their documents, bank cards, bank passbooks, and deposit slips to the service desk of the bank's business outlets to find the staff for processing, or directly log in to the bank and mobile banking to handle it.

Hello dear, it's a pleasure to serve you! [Happy] for you to inquire You can bring your ID card to the bank counter to handle the regular transfer operation, or you can find the interface of the regular transfer on the mobile banking, and handle it yourself Dear If you have travel plans in the near future, I recommend that you do this side to prepare for the epidemic prevention banquet and accompany you, and finally I wish you all the best and all the best