- Current savings
- Regular savings
- Settle down
- Education savings
There is no stipulated deposit period for current savings. Individuals can renew or withdraw with a passbook or bank card at any time, which is suitable for the storage of personal life standby funds and temporarily unused funds. Individuals with ID cards can go through any account opening procedures at any of our branches.
◆ Tips for Current Savings:
(1) Deposit from one yuan, unlimited deposits;
(2) Flexible and convenient depositors' deposits and withdrawals;
(3) Depositors can handle deposits and inquiries at any of our business outlets, and can also handle electricity collection, gas, radio and television viewing fees, and online banking.
RMB deposit and withdrawal
Entire deposit and regular deposit refers to the one-time deposit of principal, and the deposit period is agreed. Our bank will issue a deposit certificate or card as voucher, and the principal or interest will be withdrawn when the voucher or card expires. You can use a certificate of deposit, a regular passbook or a card.
Auto-deposit by agreement: According to the agreement with the customer, the bank will automatically accrue the interest of the time-saving deposit that the customer has not withdrawn from the starting date, and then deposit the principal of the savings deposit together with the interest after tax on the date of maturity Interest rate automatic deposit is a method of depositing deposits of the same type and grade.
Partial early withdrawal: When holding an unexpired time deposit deposit for partial early withdrawal, the depositor must provide a bank voucher and a valid ID. If you are withdrawing from another person, you will also need to provide the person's identity document. The part of the advance withdrawal is calculated based on the interest rate of the current savings deposit announced on the withdrawal date. When the undrawn portion is due, interest will still be calculated based on the original value date, original term and original interest rate.
◆ Tips for saving and taking:
(1) Deposits starting at fifty yuan, unlimited deposits;
(2) The deposit period is divided into three months, half a year, one year, two years, three years, and five years. The longer the period, the higher the interest rate, and the higher interest income can be obtained for the depositor;
(3) With automatic transfer function: when depositing, the customer chooses to agree with the bank to automatically transfer, helping customers to obtain higher returns;
(4) Unlimited partial advance withdrawal function: With my valid ID, certificate of deposit or card, you can handle unlimited partial advance withdrawal business and flexibly dispatch funds;
(5) Deposit and withdrawal: handle expiration, advance withdrawal and loss reporting at any institution of the Bank.
RMB Zero Deposit Roundup
A fixed deposit that is fixed monthly, integrated into zeros, agreed on the term of the deposit, and withdrawn once upon maturity to withdraw principal and interest. You can use the certificate of deposit or the card.
◆ Zero deposit and take-up tips:
(1) Zero deposits and withdrawals are deposited once a month. If there are any missing deposits during the halfway period, they should be replenished in the following month. Those who do not make deposits will calculate the interest based on the actual deposit amount and the actual deposit period when they are withdrawn;
(2) Interest accrual rules: 1-year zero deposit and full interest is calculated based on the three-month interest rate of the entire deposit on the account opening date, and 3-year zero deposit and full interest is calculated based on the half-year interest rate of the entire deposit and entire payment , The 5-year zero deposit and round-up interest shall be calculated based on the one-year round-up interest rate of the entire deposit and opening on the account opening date;
(3) Generally deposit from 5 yuan, unlimited deposit. The deposit period is divided into one year, three years and five years;
(4) The interest rate of the seed deposit is lower than the total deposit and time deposit, but higher than the current deposit, which can save depositors to obtain higher interest income on deposits. Can be integrated into a whole, with planning, restrictive, cumulative functions.
Personal notification savings
The personal notification savings deposit refers to a type of deposit that the customer does not have to agree on the deposit period when depositing, and needs to notify the bank in advance when making a withdrawal, agreeing on the date and amount of the deposit. The personal notification deposit needs to be deposited in one time, and the withdrawal can be divided into one or more times.
◆ Notice on deposit tips:
(1) Regardless of the actual deposit period, it is divided into two types: one-day notice deposit and seven-day notice deposit according to the length of the notice period of the depositor. The minimum deposit amount is 50,000 yuan and the minimum withdrawal amount is 50,000 yuan.
(2) Automatic deposit can be selected when opening the account for notification savings, and interest will be settled automatically at the interest rate according to the selected period. The interest after tax is included in the principal and transferred to the next deposit period. 7 days notice that the last transfer period of the deposit is less than 7 days, and the last transfer period is calculated at the current interest rate;
(3) The interest rate of this deposit is higher than the current savings rate. The deposit period is flexible, the withdrawal is convenient, and higher income can be obtained. It is suitable for large deposits and frequent deposits.
Deposit and interest
Principal Savings and Interest Savings Deposit is a type of regular savings in which the principal is deposited at one time, the interest is withdrawn in installments, and the principal is withdrawn at maturity.
◆ Tips for Deposit and Interest:
(1) can use the certificate of deposit or card;
(2) Deposits starting from 5,000 yuan, the deposit period is divided into one, three and five years;
(3) Interest payment in installments, customers can obtain higher interest income than current savings.
Fixed-living two-save savings refers to the one-time deposit of RMB principal by the customer, without stipulating the deposit period, and withdrawing the principal and interest at any time.
◆ Tips for fixing two jobs:
五十元起存，存款期限不受限制，适合存款期限不确定的储户； (1) Deposits starting from 50 yuan, unlimited deposit terms, suitable for depositors with uncertain deposit terms;
利息按实际存期长短计算，存期越长利率越高； (2) Interest is calculated based on the actual deposit period. The longer the deposit period, the higher the interest rate;
该储种手续简便，利率合理，收益较高； (3) The seed storage procedure is simple, the interest rate is reasonable, and the return is high;
计息规定：存期不满三个月的，按天数计付活期利息;存期三个月以上（含三个月）、不满半年的，整个存期按支取日整存整取三个月存款利率打六折计息;存期半年以上(含半年)、不满一年的，整个存期按支取日整存整取半年期存款利率打六折计息;整个存期在一年以上（含一年），无论存期多长，整个存期一律按支取日定期整存整取一年期利率打六折计息。 (4) Interest calculation rules: If the deposit period is less than three months, the current interest shall be calculated according to the number of days; if the deposit period is more than three months (including three months) and less than half a year, the entire deposit period is based on the withdrawal date 60% discount on monthly deposit interest rate; if the deposit period is more than six months (including half a year) and less than one year, the entire deposit period is calculated based on the withdrawal date and the half-year deposit interest rate is discounted; the entire deposit period is one year For the above (including one year), no matter how long the deposit period is, the entire deposit period will be calculated on the basis of the withdrawal date.
Education savings refers to a type of regular savings in which individuals receive non-compulsory education for their children (referring to full-time high schools, colleges, colleges, masters, and doctoral students outside of nine-year compulsory education) and receive principal and interest at maturity.
◆ Education Savings Tips:
最低起存金额为50元，本金合计最高限额为2万元。 (1) The minimum deposit amount is 50 yuan, and the total maximum amount of principal is 20,000 yuan. The deposit period is divided into one year, three years and six years;
教育储蓄的对象（储户）为在校小学四年级（含）以上学生； (2) The target of education savings (save households) is the students in the fourth grade or above of the primary school;
教育储蓄采取实名制; (3) Real-name system for education savings;
存期选择多：您可选择一年、三年、六年。 (4) Many choices of deposit period: You can choose one year, three years and six years.