How to convert ICBC's online time deposits that have not been transferred to current accounts?

1. If you want to use online banking to convert term money into current account, you must bind the term passbook with the bank card.

2. Bring my ID card, a bank card with online banking, and a fixed passbook that needs to be converted into a current account to the ICBC counter for binding;

3. After binding, you can log in to ICBC official website. After online banking logs in, select time deposit-my time deposit, withdraw, select the deposit that needs to be converted into demand, and submit.

ICBC has fixed deposits on the Internet. Will it be automatically converted into a current account when it expires?

Not necessarily. ICBC debit cards are deposited regularly, and there are two channels, the bank counter or the online banking channel. When handling the time deposit under the card, if you choose to automatically transfer to basic deposit account when it expires, the principal and interest will be automatically transferred to the current basic account under the card when it expires, otherwise it will not be automatically transferred. Cards handled at the counter have the option to be automatically transferred to basic deposit account on a regular basis, and automatically transferred to basic deposit account when due; There is no automatic transfer-in option for cards regularly processed by online banking, so it needs to be transferred manually. It is suggested to open a "time deposit expiration reminder" to know your time deposit information in time: send a short message "KTXS#ZWXX" to 95588 to open the "time deposit expiration reminder" service. This information will be sent by SMS at the beginning of the month.

Whether to automatically transfer to current account after maturity means that if automatic current account transfer is set, the total principal and interest of time deposit will be automatically transferred from the time account in the card to the current account in the same card after maturity; If it is set, it is still a fixed account in the card, which needs to be transferred out or withdrawn actively, but the interest will be calculated according to the current period after it expires.

For example, if you deposit for one year, choose to transfer and deposit for one year. In other words, after your deposit expires in one year, you can deposit it for another year with interest. As long as you don't extract it, save it once a year and keep it safe. For example, you have only saved a fixed deposit for one year. After the expiration of one year, he is still in the fixed deposit. You must withdraw him from the current deposit to use it, otherwise he will be calculating the current interest all the time. Automatic transfer of principal and interest means, for example, if you have only saved a time deposit for one year, the money will be automatically transferred from the time account to the current account after the expiration, and you can use it by swiping your card or withdrawing money.