How much is the large deposit in the bank?

Large deposits generally refer to more than 50,000 yuan. When opening a deposit certificate, it is marked with a large deposit certificate, and you need to make an appointment one day in advance to withdraw money. The interest rate of large deposits is directly negotiated by depositors and banks, and deposits are fixed without compound interest. The deposit cannot be withdrawn in advance before the general order expires. Unless otherwise agreed, in case of interest rate adjustment, interest will still be paid at the original agreed interest rate.

Large deposit is a business that foreign banks started very early, usually to attract huge deposits. Large deposits generally refer to more than 50,000. There is a large certificate of deposit mark when opening a certificate of deposit. You need to make an appointment one day in advance to withdraw money

Large deposits are in the form of certificates of deposit, and the interest rate is directly negotiated by depositors and banks. The deposit is fixed and there is no compound interest. Generally, it is not allowed to withdraw money in advance before the order expires. Unless otherwise agreed, interest will still be paid at the original agreed interest rate in case of interest rate adjustment. The certificate of deposit is registered, can report the loss, and the denomination is not fixed (this form is similar to the agreement deposit).

The People's Bank of China promulgated new measures for the management of notice deposits. "Call deposit" is defined as: the depositor does not agree on the deposit period at the time of deposit. Deposits that can only be withdrawn after notifying financial institutions in advance and agreeing on the date and amount of withdrawal. The types of deposits are divided into "one-day notice deposit" and "seven-day notice deposit", and the types of deposits are freely chosen by depositors at the time of deposit. Financial institutions shall bear interest according to the corresponding interest rate level announced on the withdrawal date and the actual deposit period, and the interest shall be settled with the principal.

However, for those who have gone through the notice procedures but do not withdraw or cancel the notice within the notice period, it is stipulated that there will be no interest during the notice period, that is, the interest-free days of "seven-day notice deposit" are seven days, and the interest-free days of "one-day notice deposit" are 1 day. Minimum initial deposit and minimum withdrawal amount of "notice deposit": 50,000 yuan for an individual. Depositors need to deposit the principal in one lump sum, and can withdraw it in one lump sum or by installments, and take registered deposit.

Notice deposit is a new type of deposit introduced in recent years, and people are not familiar with it. In the past, provinces (cities) formulated their own notice deposit methods, which had many disadvantages. Now the national unified deposit method makes it more standardized. This kind of deposit has the nature of "fixed deposit and two conveniences", but the interest rate is higher than that of "fixed deposit and two conveniences", and it has the advantage of partial withdrawal, which is more suitable for storing large amounts of funds with uncertain deposit period within 1 year.