In real life, after a person dies, family members are faced with two choices when sorting out the relics of the deceased and looking for certificates such as time deposit certificates or cards. One is to withdraw money when the deceased's ID card and other documents are still there, but may face interest losses. Another option is to withdraw at maturity. Whether it is withdrawal in advance or withdrawal after maturity, it is legally recognized. As long as the procedures are complete, the bank has no right to refuse to pay. However, these two options have their own advantages and disadvantages, which will be explained in detail below.
If the disadvantages of withdrawal are found, early withdrawal may lose deposit interest. But the advantage is that the documents of the deceased are all there, and it is relatively convenient to withdraw money. In this case, the premise is that the bank staff does not know that the depositor has passed away, but knows the depositor's password, and can withdraw it by providing the ID card of the manager, the deposit certificate and the verification deposit password. If you don't know the password of the depositor, you must provide the death certificate of the deceased, notarial certificate of the notary office or court judgment, and the cashier designated by the notarial certificate or judgment has withdrawn the money. Because according to the regulations, if you forget the password, you need to go to the outlet to reset it in person, so it is impossible to conceal the death of the depositor.
Due withdrawal, because in most cases, after the death of the deceased, it is necessary to close the account and get back the ID card and other documents. But in practice, there are also many cases that have not been recovered. If the identity documents cannot be provided normally, or even if the documents are complete and the bank personnel know that the depositor is dead, they should also provide the notarial certificate or judgment of legal withdrawal.
In a word, withdrawing deposits according to inheritance is an important way to protect depositors' interests and avoid inheritance disputes. But in fact, there is a certain fee to be paid for the notarization, which the cashier thinks is not worth it. At present, many banks will simplify the process and procedures of withdrawing the deposits of the deceased according to the actual situation of customers and the amount of deposits. For details, please consult the bank.
Unfortunately, my family passed away and found an unexpired certificate of deposit. If you have the ID card of the deceased and know the password, please withdraw money from the bank outlet as soon as possible. Don't wait until the certificate of deposit expires. It is recommended to go through the withdrawal procedures in advance and take out the money.
According to Article 8 of the Regulations on Household Registration in People's Republic of China (PRC), if a citizen dies, the head of the household, relatives, dependents or neighbors shall report the death registration to the household registration authority and cancel the household registration within one month before entering the city for burial. If a citizen dies in his temporary residence, the household registration organ of the temporary residence shall notify the household registration organ of the permanent residence to cancel his household registration.
Once the account is closed, the ID card needs to be handed in, and it is even more difficult to withdraw money from the bank afterwards.
If you have the certificate of deposit and password in your hand, you can withdraw it directly from the bank counter with the customer's ID card and the agent's ID card. If there is no deposit certificate or password or ID card, all heirs need to go to the notary office to issue a notarial certificate. At the same time, all heirs report the loss to the bank with notarial certificate and death certificate, and then go through the withdrawal procedures.
Warm reminder, it is recommended to tell one or two close people the password of the time deposit certificate handled in the bank in case of accidents.
To sum up, once a loved one dies unfortunately, if you find an unexpired certificate of deposit, if you have the deceased's ID card and password, please go to the bank to withdraw it as soon as possible; If you don't have a password and ID card, you can only withdraw it after you have completed the notarial certificate at the notary office.
After death, his deposit is his inheritance, and the inheritance can be inherited. After being inherited, this part of the deposit belongs to the heir's name. Since it is the property of the heir, it can be taken back when it expires naturally.
First of all, if you don't know whether the deceased has any deposits, you can ask the notary office to issue a deposit inquiry letter to inquire about the deposits of the deceased in various banks. How to get it? There are three ways:
1, get the will and notarial certificate, and the heir's ID card;
2. If there is no will, you can get the heir certificate and heir ID card issued by the notary office;
3. If there is any dispute over the inheritance, you can bring a lawsuit to the court and get it with the court's judgment and the heir's ID card.
Finally, if you don't get it, the bank has no obligation to inform you that it is due. After the maturity of the time deposit, if there is no agreement to transfer the due time deposit, the bank will continue to calculate the interest according to deposit interest rate. The deposit in the account will not disappear, but the longer it takes, the more troublesome it will be.
Making a will is the most convenient way, but at present, many elderly people in our country have psychological resistance to it.
I really don't know if the living can withdraw the time deposit after it expires. In my imagination, after the expiration, the living person holds the ID card of the deceased and the ID card of the payee. As long as he knows the password, I think it is entirely possible to take it.
Now let me talk about completely irrelevant issues. 20 19 10 9 my wife Luo xiaofang passed away. Before that, because she was seriously ill, I made a time deposit of 50 thousand yuan in her name. After my wife died, I forgot my deposit password. The bank offered a different amount, but I didn't agree. Finally, the bank asked me to go to the notary office for notarization. I went to the notary office to pay 500 yuan, and finally paid the 300 yuan estate tax according to the property used by the husband and wife. I also called my wife's parents and their children together to discuss how to divide the inheritance. When children sign away their inheritance, they have to investigate and deal with it. When they investigated and informed me that the 50,000 yuan could not be collected, and one child had not arrived, and I argued that there were no other children, the notary office replied that the children who had not arrived had to be found and signed. When I answered that I only had three children, there were four. How to solve this contradiction? Will I never get 50 thousand yuan? Because I couldn't give up my fourth child, I finally called the Fuling District Office, and the notary office went through the formalities for me, so I could get the money.
Therefore, after death, people don't know the password, and although there are books, it is difficult to withdraw money.
My Creator: Xu Shiming.
Yes, but it depends. If the account of the deceased has not been cancelled, you can withdraw money from the bank with the ID card of the deceased and the ID card of the agent.
If the deceased's account has been cancelled, the easiest way is to wait until the deposit expires and withdraw money on the maturity date. You don't need an ID card (except for a large sum of more than 50,000 yuan), just remember the password and you can withdraw money.
If it is a large deposit (more than 50,000 yuan), it will be relatively troublesome. First of all, you have to get a notarized inheritance certificate from the local notary office. If there is no notary office, you have to obtain the court inheritance certificate of the county or city. Then you can take a notarial certificate or court inheritance certificate, my ID card and death certificate to the bank to withdraw money. You can also call the bank customer service phone for detailed consultation.
After the death of the depositor, if the time deposit placed in the bank is not due, it can be withdrawn from the bank after the maturity, which is allowed by law, and the bank will never encroach on its inheritance left to the heir.
No matter whether the time deposit of the deceased in the bank expires or not, his heirs have the right to withdraw the inheritance at any time, but when withdrawing, they must issue legal inheritance certificates to the bank, which mainly include: death certificates issued by public security organs, inheritance notarial certificates issued by notary offices, and valid identity certificates of the heirs.
If the time deposit of the deceased is about to expire, the withdrawal will inevitably lose most of the interest. At this time, it is completely possible to wait for the deposit to expire before withdrawing it, and the effect of inheriting legal documents still exists.
In order to avoid the need for heirs to come to bank outlets with legal inheritance certificates many times, many banks have introduced the deposit transfer function. For example, after the depositor dies, as long as the close relatives can prove to the bank that they have the legal inheritance right, then the bank can directly transfer the time deposit of the deceased to his name and withdraw it with his valid identity documents after the expiration.
Hello! The cashier can wait until after the time deposit, and the most important thing is not to go through the formalities of closing the account first, otherwise the ID card will have to be "inherited first and then withdrawn".
Specifically, if the amount is large, or the bank already knows that the head of the household is dead, even if the password of the passbook is known, the heir himself must apply for withdrawal with the certificate of inheritance or the court judgment. If the amount is small, the bank does not know that the head of the household has passed away, and close relatives can withdraw money if they know the passbook password; But there are also risks: once other heirs find that the cashier has embezzled their interests, even if the cashier takes out the money, they will return the share won by other heirs.
1. If the single withdrawal amount is less than 50,000 yuan and the bank doesn't know that the depositor has died.
First of all, explain what "the bank doesn't know that the depositor is dead": it is impossible for the bank to find out whether the head of the household is dead through the system, and it can only be cut off through the identity card of the deceased; The cashier judges that the head of household has died by revealing the information that the head of household has died in the process of handling business.
1) If you know the bank password, you can withdraw the deposit with the ID card and password of the payer and the deceased.
2) If you don't know the bank password, use the ID cards of the cashier and the deceased to try the password (the bank stipulates that if you enter the password incorrectly for three consecutive times, you can only try it twice a day), especially the passwords commonly used by the elderly before their death, such as birthdays and initial passwords. However, if the attempt does fail, you can only apply for withdrawal by inheriting first and then withdrawing. This problem will be explained in detail later.
2. If the single withdrawal amount is more than or equal to 50,000 yuan, you must apply for withdrawal by "inheriting first and then withdrawing".
1, small deposit inheritance notarization
Applicable to the bank knowing that the head of the household is dead; Or the balance in the account is small, but the password is unknown.
Notary societies in most provinces in China have issued small deposit inheritance notarization. Take Hunan Notary Association's Guiding Opinions on Handling Matters Related to Inheritance Notarization of Small Deposits as an example. According to the guidance, the balance of the decedent's deposit account in a financial institution or securities company does not exceed RMB 6,543,800+0,000; Or if the accumulated deposit of the same decedent does not exceed RMB 30,000 yuan, you can withdraw money from financial institutions directly with the notarization of small deposit inheritance without notarization of inheritance right. Operation process: as long as there is an heir present and necessary materials are provided, including the materials in the file that can prove the inheritance relationship, death certificate, deposit certificate and small withdrawal, it can be notarized.
2. Other circumstances
With the certificate of inheritance or court judgment, the heir himself applies for withdrawal, and the bank will reflect the way of property division in these agreements.
1. If you know the password, you can withdraw money by stages, and try to withdraw money by stages to ensure that the daily withdrawal amount is ≤ 50,000 yuan;
2. It is no problem to withdraw the time deposit after it expires, but be careful not to close the account prematurely, otherwise the ID card of the deceased will be cut off.
3. The money taken out does not represent the drawer's personal legal property. If it is known that there are other heirs through the process of confirming the inheritance right, the drawer must allocate the corresponding share of the deposit to the corresponding heirs.
The above are time deposits, and so are current deposits and bank cards.
I hope the answer is helpful to the subject.
If you know the password of the deposit slip and passbook, just take it! Don't know the secret, please! You must do justice to get it.