The old man left and the deposit was due. How can I withdraw money?

When the elderly are away, the easiest way to get bank deposits for the elderly is to have a bank card and password. If you don't know the password, you can only get the money through inheritance or property justice.

In real life, I believe many families will encounter this kind of problem. It is impossible to change people's birth and death. The most regrettable thing is that the old man is gone and there is still a lot of money in the bank. Family members want to adopt the following centralized methods.

The first type: the umbrella of bank deposit with bank card and password is bank card or passbook. As long as you hold this bank card or passbook and know the password, you can get the old man's money in the following three ways.

1. To withdraw money through the ATM of the bank, just insert the old man's bank card into the ATM, enter the password and choose to withdraw money; However, it should be remembered that the limit of ATM withdrawal is 20,000, and there is a limit for daily withdrawal of 20,000.

2. Go to the bank counter to withdraw cash. There are rules for large withdrawals at the bank counter. If it exceeds 50,000 yuan or more, you need to make an appointment in advance. Therefore, in order to avoid the trouble of making an appointment to withdraw money, I go to the counter to withdraw 45,000 yuan every time until the old man's deposit runs out.

3. The easiest way is to log in to the mobile banking of the old people's bank card and transfer all the deposits of the old people in the bank from the accounts of their immediate family members through the mobile banking operation. This is the simplest and most effective method.

Therefore, we can know that although the old man is gone, his family has his bank card or deposit, and he knows the password. If he wants to get the old man's money, he can transfer money at ATM, counter or online bank.

Second, if an old man who has no password but a legal heir writes a suicide note before his death, when the old man leaves and the suicide note takes effect, and he is named in the suicide note to inherit the estate, the heir can legally go to the bank to withdraw money, but the heir can't handle the money.

1. When the old man is gone and knows that he has a deposit, but he doesn't have a deposit password, the legal heir can take the relevant documents of the old man and issue a death certificate to the police station where the ID card is located.

2. After obtaining the death certificate, the legal heir will go to the bank to handle the bank deposit inheritance procedures with the heir certificate and his ID card. As long as the formalities with the bank are completed, the bank deposit belongs to the legal heir.

Therefore, if the old man has determined the legal heir before his death, that is, if there is a suicide note, it can be handled according to the contents of the suicide note. This method can also successfully obtain the deposits of the elderly in the bank.

The third type: I only know that the elderly have deposits, and nothing else is clear. When the old man is away, the family members only know that the old man has money in the bank, and other information is unknown. In this case, it is particularly difficult to get the old man's deposit in the bank.

Of course, there are ways to really deposit money in the bank for the elderly, but it takes a lot of time and energy to withdraw money in the following ways.

Step 1: Inquire about the deposit information of the elderly.

Family members can bring a lawsuit to the court in property disputes. After the court accepts the case, the court can inquire about the specific information of the old man in the bank, which bank he deposited, how much money he deposited, and so on.

When the family members obtain the deposit information of the elderly in the bank through prosecution, they can choose to withdraw the lawsuit. After all, the purpose of prosecution is to obtain the bank information of the elderly, as long as the second step can be taken after obtaining the information.

Step 2: Family members should bring the relevant documents of the elderly to the local police station to issue a death certificate. In fact, as long as the documents are in place, this death certificate is easy to issue; In order to get the old man's deposit, this death certificate must be available.

Step 3: After getting the death certificate, the immediate family members take their ID cards and go to the notary office to prove the inheritance. This kind of certificate is mainly to avoid inheritance disputes and inheritance. Remember that this property notarization must be signed by family members, and the default inheritance method is not to sign.

Step 4: The immediate family members take the death certificate, property notarial certificate and their ID cards and go directly to the bank to handle the withdrawal procedures for the elderly. As long as the relevant documents and procedures are complete, the deposits of the elderly will certainly be able to get money from the bank smoothly.

gather

After comprehensive adoption, the old man is gone and the bank deposit expires. The easiest way to get a bank deposit is to have a bank card and password, which is the easiest way to withdraw money. Secondly, if the old man has a legal heir before his death, he can go to the bank to withdraw money with relevant documents.

The most troublesome thing is that I don't know the password and I don't have a court heir. I can only get the old man's money in the bank by handling the death certificate and property notarization, but this withdrawal method takes too much time and is a time-consuming and laborious method. This withdrawal method is also the last resort.