How can rural commercial banks regularly transfer current accounts on mobile banking?

1. (Model Glory 50.)

Click to log in, after entering, see if the current interface has a "fixed live transfer", if not, click all the + signs.

3.Find the fixed-live swap option.

4.The operation of regular to current account and current to regular account is basically the same, now take regular to current account as an example, click on the regular current account.

5.See all your fixed deposits in this account.

Amount, select the account you want to transfer from.

6.Select the withdrawal method, whether it is full or partial, and then enter the amount and payment password. Click Next to finish.

7.After the transfer is successful, you will receive a text message if you activate the SMS service, and the bank will also transfer the interest during this period to your current account.

2. If there is no maturity, the interest is calculated according to the current interest rate. Therefore, it is best not to convert the fixed deposit to the current account if it is not mature, because the interest loss will be very large. A fixed deposit can be partially withdrawn once before it matures.

If the bank still retains a part, it depends on whether the money left is enough for the fixed amount, if it is enough, it is still according to the fixed deposit, and if it is not enough, it is also current interest.

Further Information] As of December 2019, the deposit interest rates of major banks are as follows:

1. Bank of China: demand deposits.

Interest, fixed deposit interest for 3 months, 6 months, 1 year, 2 years, 3 years, 5 years.

2. Industrial and Commercial Bank of China: interest on demand deposits, three-month interest, six-month interest on fixed deposits, one-year interest, two-year interest, three-year interest, five-year interest.

3. China Construction Bank: interest on demand deposits, three-month interest on fixed deposits, six-month interest, one-year interest, two-year interest, three-year interest, five-year interest.

4. Bank of Communications.

Interest on demand deposits, 3 months of interest on fixed deposits, 6 months of interest, 1 year interest, 2 years of interest, 3 years of interest, 5 years of interest.

Bring your ID card and bank card to the place.

Bank branches. Fill in the form;

The demand deposit can be redeposited into a fixed period, which is divided into 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years and 6 periods.

Time deposit. Interest is calculated on the interest rate.

In the absence of a notice of withdrawal, the client can directly convert the call deposit to a current account (note: it will be calculated based on the current interest).

Further information: Jiang Liming, director of the supervision department of cooperative financial institutions of the China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be restructured into rural commercial banks. Completely abolish the qualification unit, and encourage eligible rural credit cooperatives to be restructured and established into rural commercial banks.

On the premise of maintaining the overall stability of the status of county (city) legal persons, we should steadily promote the reform of provincial associations, and gradually build a new type of relationship between provincial associations and grassroots legal persons with property rights as the link, equity as the link, and regulations as constraints, so as to truly form a community of interests between the provincial associations and the grassroots legal persons.

The proportion of qualified shares of rural credit cooperatives nationwide has dropped to less than 30 percent, about 303 rural commercial banks and about 210 rural cooperative banks have been established, and the total assets of rural banking institutions account for the total assets of rural cooperative financial institutions in the country. In addition, 1,424 rural credit cooperatives have met or basically met the conditions for the establishment of rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of the deep-seated system and mechanism.

On May 21, 2019, the People's Bank of China issued the Notice of the People's Bank of China on Lowering the RMB Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework for the implementation of lower reserve requirement ratios for small and medium-sized banks announced by the PBOC on May 6.

The notice clarifies that the targeted RRR reduction will be implemented in three times, and the scale of the three landings is clarified. That is, on May 15 and June 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and on July 15, the deposit reserve ratio was lowered to 8%.

in mobile banking.

The method of converting the last regular to the current account is as follows:

2. Enter the main page and click on the "Balance Inquiry" option;

3. Enter the password, click to log in;

4. After logging in, click on the place shown in the figure below;

5. On this page, you can see the "Deposit Product" option, click to select;

6. On the deposit product page, select the "Fixed-Fix Transfer" option;

7. Select the transfer within the card or enter the receiving account to transfer the transfer.

The death deposit of the Rural Commercial Bank is changed to a current deposit, which can be handled at the bank counter, and you need to bring the ID card hall or the passbook. You can also open online banking, associate the regular passbook with online banking, and then you can carry out the fixed transfer as follows: 1. Bring your ID card and bank card to the bank branch to fill in the form; 2. Open online banking and e-commerce functions at the bank counter, and handle online banking U shield or SMS verification, etc., and then associate the passbook with online banking; 3. When you log in to the online banking for the first time, you need to log in to the security control of the online banking, and you need to change the online banking username and login password after logging in, and set one"Reserve verification information"；4. After completing the above operations, log in to the Internet Banking again, select My Fixed Deposit, and follow the prompts to complete the fixed transfer and transfer. 5. Note:

Write down the login password of online banking and avoid logging in to online banking in Internet cafes and other places.

OK. Mobile Banking.

Here's how to convert to a current account:

Take CCB as an example:

Second, the hidden function bar will appear on the left side of the page, and then click the "Click to log in" button.

Third, on the account login page, because the current bank account number is absolutely with the ID card.

Correspondingly, so the system will automatically identify the identity information in the ID number column, as long as the login password is accurately entered in the login password column.

4. After successfully logging in to your CCB account, click the "Transfer" button on the homepage.

5. After entering the "Transfer" page, click the "Fixed-Live Transfer" button on this page.

6. After that, click the "Regular Transfer" button in the upper right corner on the "Fixed Transfer" page.

7. After clicking the "Regular to Current" button, you will see the fixed deposit on the "Regular to Current" page.

The specific amount, as well as the term of the regular deposit and the corresponding interest rate, and then click on the deposit that needs to be converted to a current account.

8. After clicking, an operation interface will appear at the bottom of the page, and then continue to click the "Card Transfer" button in the operation interface.

9. If the time for the fixed deposit has not arrived, the system will pop up a prompt that you will lose part of the interest if you withdraw it in advance, and click the "OK" button.

10. After that, enter the amount that needs to be converted to current account on the "Regular Transfer" page, and then click Next.

If you want to convert all of your regular payments to current accounts, you can also click the "Transfer Out in Full" button.

11. After setting the amount to be transferred, then click the confirmation button at the bottom of the page after confirming the relevant information on the new page.

12. After clicking OK, you will see the words that the transfer has been submitted successfully on the new page, and then click the complete button in the upper right corner, so that the operation of the mobile CCB to transfer the current account on a regular basis will be completed.