Second, the business characteristics:
1. USD/USD: Customers can deposit and withdraw RMB cash at branches and self-service devices of Wenzhou Bank with Golden Deer Card (savings passbook). With the Golden Deer Card, you can handle deposit and withdrawal business in all city commercial banks in the province.
2. Flexible funds: customers can take them at any time when they need them, and the funds are highly mobile.
3. Convenient payment: customers can set the current deposit account as a payment account, and the bank will automatically remit various daily expenses.
Third, the business process:
1. Customers need to show their valid identification documents to the business outlets when opening an account.
2. You can deposit money at business outlets with Jin Lu series cards or savings passbook issued by banks. If you can provide your own or others' card number or passbook number, you can also apply for a deposit without a card (passbook) (ID card is required).
3. You can withdraw money at the business outlets with the Golden Deer Card or passbook. If the withdrawal amount exceeds 50,000 yuan, you need to make an appointment with the withdrawal outlet one day in advance. If you use the Golden Deer Card to withdraw money from the ATM, the maximum withdrawal amount on that day is 20,000 yuan.
Four, handling location:
1. Account opening: business outlet.
2. Deposits: business outlets and automatic deposit machines.
3. Withdrawal: business outlets and ATMs.
4. Inquiry: business outlets, ATMs, telephone banking, online banking, mobile banking and self-service terminals. 1. Business introduction: Education savings refers to the service of saving the funds for receiving non-compulsory education, depositing them in stages and withdrawing the principal and interest at maturity.
Second, the deposit period and starting point: the deposit period of education savings is divided into one year, three years and six years. Education savings are deposited in 50 yuan, with a maximum principal of 20,000 yuan per household.
Three. Business characteristics:
1, tax incentives. According to the relevant national policies and regulations, interest income from education savings can enjoy tax exemption with relevant certificates.
2. Every little makes a mickle, and dripping water is suitable for accumulating tuition fees for children and cultivating financial habits. Fourth, the deposit interest rate
1, one-year and three-year education savings shall bear interest according to the interest rate of lump-sum and lump-sum time savings deposits of the same grade at the same period of account opening date; The six-year term shall bear interest at the five-year lump-sum deposit rate on the account opening date.
2. In case of interest rate adjustment during the deposit period, the education savings will still bear interest at the interest rate on the account opening date.
Verb (abbreviation for verb) business process:
1. Opening an account: When opening an account, you must show the customer's (student's) household registration book or resident ID card to the savings institution, and open a deposit account in the name of the customer (student).
2. Deposit: When opening an account, the customer must agree with the bank on the amount of each time deposit and deposit it in installments. If there is any omission in the middle of the account, it will be filled up next month. If there is no replenishment, it shall be handled in accordance with the relevant provisions on lump-sum deposit and withdrawal of time deposits.
3. Withdrawal: When the withdrawal is due, the customer will withdraw the principal and interest in one lump sum with the passbook, ID card and household registration book (household registration certificate) and the identity certificate of the student who is receiving non-compulsory education provided by the school (printed by the tax bureau), and each "certificate" will only enjoy the interest tax concession once. If the customer can't provide "proof", his education savings will not enjoy the interest tax preference, that is, the one-year and three-year interest will be calculated and paid according to the interest rate of fixed deposits of the same grade in the same period on the account opening date; Interest is calculated and paid for the six-year term according to the interest rate of five-year fixed savings deposit on the account opening date. At the same time, interest income tax on savings deposits should be levied according to relevant regulations.
4. Early withdrawal: Early withdrawal of education savings must be made in full. When withdrawing in advance, if the customer can provide "proof", the interest shall be calculated and paid according to the actual deposit term and the interest rate of lump-sum fixed-term savings deposits of the same grade in the same period as the account opening date, and the interest income tax on savings deposits shall be exempted; If the customer fails to provide the Certificate, the interest shall be calculated and paid according to the current savings deposit interest rate on the actual deposit period and withdrawal date, and the income tax on savings deposit interest shall be levied according to relevant regulations.
5. Overdue withdrawal: for the part of education savings that exceeds the original deposit term (overdue part), interest shall be calculated and paid according to the interest rate of current savings deposits on the withdrawal date, and income tax on interest of savings deposits shall be levied according to relevant regulations. 1. Definition: A check is a bill issued by the drawer, and a bank or other financial institution entrusted to handle the check deposit business unconditionally pays a certain amount to the payee or holder at sight.
2. Type: Checks are divided into cash checks, transfer checks and ordinary checks. A check printed with the word "cash" is a cash check and can only be used to withdraw cash; A check printed with the word "transfer" is a transfer check and can only be used for transfer; Checks that are not printed with the words "cash" and "transfer" are ordinary checks and can be used for cash payment or transfer. A crossed check with two parallel lines in the upper left corner of an ordinary check can only be used for transfer, and cash cannot be withdrawn.
Three. Features: the time limit for presentment payment of a cheque is 10 day from the date of issue; A cheque may be transferred by endorsement, but a cheque used to withdraw cash may not be transferred by endorsement.
Four. Scope of application: Units and individuals can settle various payments by cheque. First, there are many outlets and the service is close to you.
All institutions under Wenzhou Bank can provide foreign exchange services for you. Our outlets are all over Wenzhou and major economically strong counties, and we strive to provide you with all-round and convenient services and become your intimate and professional financial service partner.
Second, direct overseas settlement, "money way" is clear at a glance.
Wenzhou Bank's perfect overseas clearing network will pay your funds in time and never let your funds stay on the way. Wenzhou Bank is the only first-class corporate bank in Wenzhou that directly opens accounts in dollars, euros and Hong Kong dollars overseas. We have established comprehensive account, settlement and capital cooperation agreements with overseas banks such as Citibank, HSBC new york, Societe Generale, Dresden Bank and BOC Hong Kong. Direct settlement of funds overseas shortens the time of funds in transit and saves remittance costs. Special remittance services such as fast remittance and remittance notification allow you to make decisions between square inches and plan thousands of miles away!
Third, the special direct remittance service meets your individual needs. In view of the overseas Chinese's demand for fast, cheap and safe remittance, Wenzhou Bank and Italy UBI Bank jointly launched the Italy Euro Express Train. When you are far away from Italy, through more than 600 branches of UBI Banking Group, you can enjoy the direct euro remittance service with low fees, fast arrival and friendly Chinese consultation.
Personal settlement and sale of foreign exchange-a professional foreign exchange bank around you
Whether you are doing business, working, traveling, studying abroad or living, Wenzhou Bank's personal foreign currency exchange and foreign exchange purchase business can fully meet your needs. Wenzhou Bank provides you with personal foreign exchange and purchase services in various currencies, such as USD, EUR and HKD, which makes your capital turnover more flexible. When your transaction amount reaches a certain amount, Wenzhou Bank also provides you with preferential or negotiated prices, and truly becomes a professional foreign currency exchange bank around you.
Sincere service saves you money.
Choose Wenzhou Bank, Wenzhou Bank wishes you more benefits! When you are a VIP customer of Wenzhou Bank, Wenzhou Bank will give you corresponding business expenses reduction and exemption, and provide preferential foreign exchange settlement and sale spreads and preferential trade financing interest rates to minimize your financial costs. Personal comprehensive consumer loan handling agency of Wenzhou Bank: Wenzhou Bank handling type: microfinance bank loan type: guaranteed loan repayment method: installment loan amount: 500,000-500,000 yuan Applicable area: Wenzhou loan currency: RMB Applicable people: other occupations, employees of state-owned enterprises, lawyers, teachers, freelancers, loan interest rate: 0.60%-0.70%, loan term: 1.00.
This kind of loan is a loan product for personal comprehensive consumption launched by Wenzhou Bank, which belongs to a kind of secured loan. The loan object is a natural person who has full capacity for civil conduct, holds legal and valid identity documents, has a fixed residence in the administrative area of the city where the branch of the Bank is located, is not over 65 years old, has good credit standing, has a stable income source and can repay the principal and interest on schedule.
Product advantages:
1. The loan term is long, and the longest loan term is 5 years.
2. There is no need for real estate mortgage.
3. The loan process is simple and quick.
4. Low loan requirements.
Loan terms:
1. The lender has full capacity for civil conduct and holds legal and valid identity documents.
2. The lender has a fixed residence within the jurisdiction of Wenzhou Bank Branch.
3, the age is not more than 65 years old.
4. There is no bad credit record in Wenzhou Bank.
Application materials:
(1) loan application;
(2) Valid identification (such as ID card, household registration certificate, military officer's card, etc.). ), and submit the original;
(3) proof of income (or income statement);
(4) the ownership certificate of the mortgaged house, the identity certificate of the owner (including the owner) of the mortgaged house, and the written certificate of consent to mortgage;
(5) The value of collateral must be recognized by the bank;
(six) the loan use plan or statement;
(seven) other information or documents that need to be provided.