Who knows the difference between ABC's personal notice deposit and "double Mo Lifeng" deposit? Is "Shuanglifeng" risky? urgent

1. Shuanglifeng automatically settles interest every seven days and converts it into principal. "Shuanglifeng" personal notice deposit only opens seven-day notice deposit transfer business, and the initial deposit amount, minimum withdrawal amount and minimum retention amount of the deposit are still 50,000 yuan. The funds in the notice deposit account need to be deposited or transferred in one lump sum, which can be withdrawn in one lump sum or in installments. When you use personal settlement account for consumption settlement, your account balance is insufficient, and the system will automatically transfer the funds from "Shuanglifeng" account to your personal settlement account to ensure your convenient use of funds.

2. Personal notice deposit means that you have to give notice seven days in advance and calculate interest according to the notice deposit. Notice deposit means that the funds are deposited in the bank, but the deposit period is not specified, and the bank is notified 7 days (1 day) in advance before withdrawal, that is, the notice is established and the withdrawal is made 7 days (1 day) later. If the withdrawal is made directly without notice, the interest will be calculated according to the current interest. There is no time limit for notice deposit, so there is no time limit.

3, you can withdraw money, but the interest is different.

Extended data:

1) If you choose between notice deposit and double Li Feng, it must be the latter. Shuanglifeng automatically transfers the principal and interest for you every seven days. You can withdraw it at any time, only losing the interest for seven days at the time of withdrawal, and the previous interest is calculated according to the call deposit rate.

3) How to handle the "Shuanglifeng" personal notice deposit?

1. Signing a contract: when an individual notifies to handle the deposit slip transfer business, it should be stipulated in the deposit slip when opening an account, that is, "seven-day notice" and "automatic transfer" should be selected.

When handling the mutual transfer business between personal settlement account and personal notice deposit, you must first open a personal settlement account, and sign the "Shuanglifeng" Personal Notice Deposit Agreement of Agricultural Bank of China to stipulate the amount of personal settlement account.

2. Automatic transfer: Personal notice certificates of deposit that have been agreed to be transferred automatically will be transferred automatically every seven days, and the interest after deducting interest tax will be included in the principal.

4) After deducting the reserved funds from the signed personal settlement account, the amount of personal settlement account that meets the requirements of "Shuanglifeng" personal notice deposit will be automatically transferred to personal notice deposit, and the bank will automatically transfer the interest after deducting interest tax to the principal every seven days.

Revocation of automatic renewal agreement:

You can cancel the deposit agreement according to the situation. Before the termination of the agreement, all the "Shuanglifeng" individuals under the agreement account shall be notified to cancel the deposit account, and the relevant formalities shall be handled at the bank counter with their valid identity documents.