Like time deposits, you can either deposit a passbook or a bank card. If the time deposit is kept in the passbook, the customer can directly check the balance in the passbook.
If there is a time deposit in the bank card, although the bank card will not display the balance of time deposit, you can also query it in the following ways:
1. Mobile banking/online banking:
Customers can log in to personal online banking or mobile banking directly, enter account number, password and verification code, and check the balance of time deposit in personal account.
2. Customer service telephone number:
Customers can call the customer service hotline of the bank where the deposit is located, and inquire about their time deposit balance through voice prompts, or they can directly switch to manual service and apply to the customer service staff for inquiry.
3. Bank outlets:
Customers can bring their ID cards and bank cards to the counters of nearby bank outlets to apply to the staff for checking the balance of time deposits.
(1) Time deposit refers to a form of deposit in which depositors deposit cash into a time deposit account opened by a banking institution, agree in advance to take a fixed term as the deposit time, and get a return at an interest higher than the current deposit, and can receive principal and interest after maturity.
Time deposit is the currency or currency that the depositor temporarily transfers the right to use to the bank while retaining the ownership. It is the most important source of credit funds for banks.
If depositors withdraw time deposits before the agreed deposit term expires, banks usually handle this business in the form of demand deposits. Depositors usually need to notify the bank one day in advance to apply for early withdrawal, and then they can receive large deposits so that the bank can prepare enough cash for payment.
② related concepts
1) document:
There are usually two kinds of certificates of deposit, namely "time deposit certificate" and "time passbook"
2) Type:
The term of deposit is generally divided into three months, six months, one year, three years and so on.
3) Interest rate:
The interest rate of time deposit refers to the rate of return paid by banks to depositors for the amount of time deposit.
4) Extraction method:
① Settle the principal and interest in one lump sum at the stipulated interest rate;
② Withdraw in full in advance, and the bank will bear interest according to the deposit interest rate published on the withdrawal date;
③ For the early withdrawal, the withdrawal part is calculated according to the current period, and the rest is still calculated on a regular basis.
Generally speaking, the interest rate of time deposit is different from year to year.
The interest rate of bank deposits is not adjusted every year. The state makes adjustments at any time according to the economic operation. China Industrial and Commercial Bank, China Construction Bank, China Bank, China Agricultural Bank, Bank of Communications and other banks have the same time deposit interest rates, which are uniformly stipulated by the People's Bank of China.
Operating environment: China UnionPay Express 9.0.5.