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Home > Personal Business > Personal Deposit > Traditional Deposit
发布时间:2024-01-17
Traditional Deposit is the basic personal deposit business of our Bank, mainly including current deposit and lump-sum deposit and withdrawal time deposit.
I. Current deposit
1. Current deposit is a kind of unlimited deposit period, with bank card or passbook and reserved password in self-service equipment or business outlets counter at any time to deposit and withdraw cash service.
2. The current deposit is deposited from RMB 1 and the amount of current deposit in foreign currency is not less than RMB 20.
Product characteristics
1. It is applicable to all clients.
2. It is easy to deposit and withdraw at any time.
3. The use of funds is flexible.
II. Lump-sum deposit and withdrawal time deposit
Lump-sum deposit and withdrawal time deposit is a deposit service in which the deposit period is agreed at the time of opening an account and the principal is deposited at one time. Besides, the principal and interest are withdrawn at maturity and all or part of the deposit is withdrawn in advance (limited to one time).
Product information
The lump-sum deposit and withdrawal time deposit starts is from RMB 50, and the deposit period is divided into three months, six months, one year, two years, three years and five years. The pricing of interest rate shall be subject to the announcement of the Bank.
Product characteristics
1.Interest rate is higher than demand with higher yield
The interest rate of fixed deposit is higher than that of current deposit.
2.It can be agreed to deposit, which is more convenient
The client can automatically transfer the deposit when the deposit is due. The principal and after-tax interest of the time deposit will be transferred automatically according to the original deposit period.
3.It can be withdrawn in advance, which is more convenient and faster
When the client is in urgent need of funds, it can be withdrawn in advance, taking into account both profitability and liquidity.
Handling channel
The business can be handled through branches, mobile banking, online banking, STM intelligent service terminal.
Prompt
Lump-sum deposit and withdrawal time deposit has the characteristics of good income and high security, which is suitable for clients with stable capital, short-term useless demand and conservative risk preference. Clients may also allocate their assets, collocating with other deposits or wealth products based on the lump-sum fixed deposit.
* The domestic and foreign currency deposits taken by the Bank is subject to the protection according to the Deposit Insurance Ordinance.
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