Is it a fee or a cash withdrawal to deposit a bank card and receive SMS regularly?

1. The information received means that the current account will transfer the expenses to the fixed account. Withdrawing means withdrawing money from your current account, and spending means typing it out. This is normal.

2. The money in the bank card is deposited regularly, and what you receive is a transfer for you to withdraw money. In fact, it doesn't matter much, as long as you write the deposit amount on the platform.

1. Time deposits are also called "certificates of deposit". Banks and depositors agree in advance on the term and interest rate, and deposits with principal and interest withdrawn at maturity. Some certificates of deposit can be sold in the market when depositors need funds before maturity; Some certificates of deposit are not negotiable. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.

2. Bank deposits with a term of 3 months to 5 years and more than 10 years. Generally speaking, the longer the deposit term, the higher the interest rate. In addition to certificates of deposit, traditional time deposits are also in the form of passbooks. The latter is also called passbook time deposit, but the basic interest-bearing days are 90 days, and there is no interest for less than 90 days. Compared with demand deposits, time deposits have strong stability, low operating costs and low deposit reserve ratio held by commercial banks. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.

Deposit method

The methods of time deposit are: lump-sum deposit, lump-sum deposit, principal and interest withdrawal, lump-sum deposit and lump-sum withdrawal.

Service function:

1, higher stable income: the interest rate is higher, and the interest rate is directly proportional to the length of the term; The stock market plummeted and banks became safe havens.

2. Flexible funds: when the customer needs capital turnover and the one-time deposit and withdrawal deposit of the bank has not expired, he can obtain personal loan financing through the one-time deposit and withdrawal deposit in the self-service loan pledge account; Part can be withdrawn in advance once, but the interest on the part withdrawn in advance is calculated according to the listed deposit interest rate on the withdrawal date;

3, worry-free, convenient: it has the function of one-time deposit and automatic transfer after withdrawal expires. Customers can change the deposit in the account from current account to fixed account or maturity through various transfer channels provided by the bank. Customers can also flexibly manage the principal and interest, deposit period and deposit form of their one-time deposits and withdrawal deposits through the agreed transfer function;