Do banks have to be notarized to withdraw money from their deceased relatives?

In the past many years, if the bank had deposits to withdraw after the death of relatives, all heirs had to go to the notary office to open a notarial certificate to withdraw. Many people can't do notarization for various reasons, or the money they take out is not as much as the notarization fee. So many people have given up withdrawing cash, and everyone is saying that money must go to the bank. Is it really going to the bank? Is there a simple way to withdraw money? Let's talk about this topic today.

Withdrawing the deposits of deceased relatives has been the default procedure of banks for many years, but everyone who has done it knows that the procedure is quite complicated. According to the relevant provisions of the inheritance law, all people who meet the conditions of inheritance must be present, including parents, children, spouses and even brothers and sisters, not to mention the difficulty of having so many people present at once. It will be even more troublesome if there are any contradictions or economic disputes at home. Therefore, in real life, many people.

So the first question is, did the money really go to the bank after death?

This is obviously not. As long as the money is not withdrawn, he has been lying in the bank account. Banks will not take it for themselves, and they will not close their accounts easily, because now they are all system data. The bank can't know whether the depositor is alive or not, and will only calculate the interest according to the normal deposit account until someone takes it away.

The second question is how to withdraw the deposit after the death of a loved one.

This should be divided into two situations, one is to know the password; Another situation is that you don't know the password.

In the first case, it is much easier to know the password. As long as you take a bank card or passbook and withdraw money by password, there is no problem. No one can stop you. But don't forget, a bank needs a depositor's ID card to withdraw or transfer more than 50,000 yuan. It doesn't matter if it doesn't exist. You can extract less than 50,000 yuan every day for multiple times until the extraction is completed.

The second case of not knowing the password is a bit complicated. Just like we said at the beginning, we have to go through the property notarization procedure, but there is good news recently. If the deposit balance does not exceed 10,000 yuan, you can withdraw it directly without notarization. The following focuses on this method.

According to the latest notice issued by the Banking Insurance Regulatory Bureau and the Central Bank, in order to simplify the procedures for withdrawing small deposits from deceased depositors, if the account balance of the deceased depositors in the same corporate banking financial institution does not exceed 6,543.8+0,000 yuan or equivalent foreign currency, it can be withdrawn directly.

So how to withdraw it specifically? As long as the spouse, children, parents of the deceased depositor, or the heirs and legatees designated by the notarized will, they can withdraw them with valid certificates.

The specific information carried has a death certificate; Household registration book, marriage certificate, birth certificate and other certificates that can prove the relationship with the deceased; Just extract my identity document and the letter of commitment signed by me. Is it simple?

Then if you are an heir or legatee, you only need to bring a notarized will and death certificate to revoke it.

Please note that the cash withdrawal mentioned here is limited to 6.5438+0 million yuan. If it is more than 654.38+00000 yuan, according to the previous regulations, it is necessary to go to the notary office for notarization of property inheritance, but there is a special case here. On this basis, the bank can set its own maximum withdrawal amount, which does not exceed 50,000 yuan, which means that the bank can go to 654.38+00,000-

Therefore, if the amount in the account of a deceased relative exceeds 10000 yuan and is less than 50000 yuan, it is best to consult the bank where the account is opened to see if there are any special policies.

Having said that, let's sum up that compared with the previous regulations, if the amount of deceased relatives in a bank account does not exceed 10000 yuan, it can be withdrawn without notarization. If it exceeds 10000 yuan and does not exceed 50000 yuan, you can find a local bank to determine the withdrawal method.

If more than one bank has deposits, this method applies to every bank.

In short, the introduction of this small-sum notarization-free policy has greatly facilitated the extraction of people's heritage, completely solved the pain points of the people for so many years, reduced many cumbersome procedures, and made it more convenient and faster. It is a real project to benefit the people.

So at the end of the program, let's talk about why the heirs should ask for notarization when they want to withdraw money.

Because there was no clear legal provision for the withdrawal of the deceased's deposits before, in order to prevent risks, prevent others from providing false documents or withdrawing money under false names, or prevent legal disputes caused by withdrawal, the payer is required to provide effective and credible legal documents, such as notarial certificates or court judgments, as the basis for bank payment, so the bank does not assume responsibility. However, it is very difficult to obtain these notarial certificates or court judgments, which not only costs money but also takes a lot of time. Therefore, many people choose to give up cash withdrawal for accounts with small amounts.

This time, it is stipulated that small withdrawals need not be notarized, in fact, in order to clarify the withdrawal process. For accounts with small amount and less possibility of disputes, simple withdrawal procedures can be adopted, but for accounts with large amount, the payer should still be required to go through notarization procedures before withdrawal, which is prudent and responsible.