Contact Us | 中文
Personal Banking

Wealth Account

Wealth Account is a banking service provided by GRCB, which automatically transfers between demand and time accounts. After signing up, as long as your current account (One-Card and demand All-In-One Passbook) reaches the fund requirements for transfer after the obligated balance is deducted, it will automatically transfer to one-day call deposit, seven-day call deposit or fixed deposit accounts according to the contract types (Wealth Weekend, Wealth Seven Days and Wealth Time Deposit) with compound interest. In this way, you can enjoy interest rate income higher that that of current deposits and realize capital appreciation without any fee.

During June 2011 and December 2011, customers who sing the Wealth Account can get 10,000 Sun Card bonus points which can be change for gifts after successful transfer of funds. (For points for gifts, please ask related brochures at any GRCB outlets or login http: //jifen.961111.cn) for more information.

Service type

             Wealth Weekend

Transfer the eligible funds in your current account to one-day notice deposit on Friday nights and switch the principal and interest back to your current account t on Sunday nights (interest accrual by one-day notice deposit interest rate for 2 days). The money transferred shall not be lower than RMB50,000 in multiples of RMB10,000. If you are a customer of the “Bank-securities Express”, it is recommended that you sign for “Wealth Weekend”. The stock market closes on weekend but your money doesn’t take a break.

             Wealth Seven Days

On the next day after you signed the contract, the eligible funds in your account after the obligated balance is deducted will be transferred to seven-day call deposit (interest accrual by seven-day notice deposit compound interest rate). The money transferred shall not be lower than RMB50,000 in multiples of RMB10,000. The interests will be settled every seven days and principal and interests will be accumulated to help you realize capital appreciation!

             Wealth Time Deposit

On the next day after you signed the contract, the eligible funds in your account after the obligated balance is deducted will be transferred to lump fixed deposit (terms may be 3 months, 6 months, 1 year, 2 years or 3 years). The money transferred shall not be less than RMB200,000 and is added in multiples of RMB10,000.

How to apply?

Visit GRCB outlets with your original valid ID, All-in-One Card or passbook to sign the contract and then you can enjoy GRCB financial management service.

Why do I have to set the obligated balance?

The “obligated balance” refers to the funds kept in your current account for your daily needs (withdrawal, consumption and payments for water and electricity bills) when the signed funds are transferred. You need to set the “obligated balance” when you sign the Wealth Account. The minimum “obligated balance” is RMB1,000 and you can increase it as you wish.

How about an urgent need of money?

You can withdraw money from the Wealth Account in advance through GRCB counter, telephone banking or Internet banking as many times as you want and you can still enjoy the interest rate of the contracted product for the rest eligible money after withdrawals. It is recommended that you sign the Wealth Account and GRCB Internet Banking. If you are a securities investment customer, you can sign Bank-securities Express to facilitate investment and wealth management.

Call Centre 961111 Micro Loans Services

© Guangzhou Rural Commercial Bank. All Rights Reserved. 粤ICP备11046781号