How to calculate the interest of overdue withdrawal if ICBC fails to withdraw money after notifying the deposit reservation for seven days?

1. If ICBC fails to withdraw money seven days after the deposit reservation notice, how to calculate the interest on overdue withdrawal?

If the notice deposit appointment is not cancelled after the expiration, the appointment will be deemed invalid, and it needs to be re-booked 7 days in advance. Before withdrawal, it is still calculated according to the call deposit interest rate.

2. ICBC 7-day notice deposit

Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal. No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors. One-day notice deposit must be notified one day in advance, and seven-day notice deposit must be notified seven days in advance. The call deposit rate of RMB and RMB is higher than the deposit rate. The current call deposit interest rates are: one-day call deposit interest rate of 0.95%, and seven-day call deposit interest rate of1.49% (implemented on July 7, 201/year).

Calculation formula: principal x interest rate (%)/360 days x actual deposit period (days) = interest.

3. How to make an appointment for ICBC's seven-day notice deposit?

ICBC's online banking can be operated at the bank counter (it may take time to queue up), and it is also very convenient to handle this business. First, open ICBC official website → Personal Online Banking.

If you just want to check the interest rate for seven days notice, you don't need to log in. Place the mouse on all (three columns) menus in the upper left corner. Then move to: all → deposits and loans.

Notice deposit → individual RMB seven-day notice deposit, with an initial deposit of (RMB) 50,000.00 → deposit.

It should be noted here that there are also items in seven-day notice deposit (if seven days is too long, notice one day, and the listing interest rate is 0.55% higher than the current deposit). Don't make a mistake.

You can only log in to your account by clicking Deposit. It's best to know that the so-called seven-day notice means to notify the scheduled withdrawal seven days in advance (don't forget the day of withdrawal, or book it seven days in advance), otherwise the withdrawal within seven days (or without reservation) will be regarded as the current interest rate. .

Do I need to make an appointment for four or seven days to notify deposit withdrawal?

Seven-day notice deposit can be withdrawn in advance. There are two main ways to withdraw the deposit in advance with seven-day notice. First, users need to bring their ID cards and bank cards to the counter of bank outlets for early withdrawal procedures; Secondly, users can log in to personal online banking, find "notice deposit-my notice deposit" and directly transfer the notice deposit in advance, and then directly transfer the transferred funds to the current account balance of the corresponding bank card. When deposit withdrawal is notified 7 days in advance, the amount set in the withdrawal notice cannot be withdrawn. After all, the amount set with the withdrawal notice will be frozen by the bank, and the user needs to withdraw money on the agreed withdrawal date. In addition, the seven-day notice deposit can be withdrawn in advance, but for the amount withdrawn in advance, the interest income can only be calculated according to the interest rate of the current deposit, which will cause certain losses to the interest income of users. Seven-day notice deposit is a kind of notice deposit. Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal. No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors. One-day notice deposit must be notified one day in advance, and seven-day notice deposit must be notified seven days in advance. The minimum initial deposit amount of personal notice deposit is 50,000 yuan (inclusive), and the minimum initial deposit amount of notice deposit is slightly different in different regions, which is about 50,000 yuan (inclusive). The initial deposit amount of enterprise notice deposit is 500,000 yuan. The principal is deposited in one lump sum and can be withdrawn in one lump sum or by installments. The minimum personal withdrawal amount is 50,000 yuan, and the minimum unit withdrawal amount is more than 654.38+10,000 yuan. The currencies of call deposits are RMB, HKD, GBP, USD, JPY, EUR, CHF, AUD and SGD (please consult local branches for specific business and currency of each province). The call deposit rate of RMB and RMB is higher than the deposit rate. The latest seven-day notice deposit has an annual interest rate of1.35% (effective from 2012.07.06).