If someone dies, but no one knows about the deposit in the bank, will the bank inform the family?

Tell a true story and remind everyone by the way.

My little uncle was in a car accident on 20 17 and became a vegetable. My little uncle has always been kind to his aunt. We never imagined that he had hidden 200,000 private money by himself.

After my uncle became a vegetable, suddenly one day, he received a short message on his mobile phone, a short message advertisement of China Construction Bank. My aunt took a look, flipped through the short message and looked at the historical data, only to find my little uncle's deposit record! I just found out that he saved 200,000 private houses behind my back!

After that, Xiao Yan took out the 200,000 yuan through various relationships, relationships and certificates. It took two months from finding the text message to taking out the 200 thousand.

From this incident, we can understand that it is impossible for a bank to inform family members after death, because the bank itself does not know whether you are dead or not! Let alone notify the family!

Second, the money in personal accounts is deposited in banks, which can use the accumulated huge deposits to make loans and charge interest. Why did they inform their families to collect such a good thing? Why don't they put it in the bank and make good use of it themselves?

Third, we should open SMS notification service! Try to save at least one short message with deposit balance in your mobile phone, and don't delete it all! If something happens to you, maybe you can really leave some evidence and information for your family to extract!

If someone dies, but no one knows about the deposit in the bank, will the bank inform the family?

If the depositor dies unfortunately, and the bank obviously won't inform the depositor's family; If the family doesn't know the money, they put it in the bank, and the money will continue to be used by the bank. What should they do with it?

Why didn't the bank inform the depositors' families?

Because banks open their doors to do business, their money-making tool is money, and banks just want you to deposit money in the bank. The longer you save, the more interest you get. Banks can continue to use these funds and lend them according to their own interests.

One more thing, according to the legal system of banks, banks are not obliged to inform the families of the deceased to collect the money. Banks can only deposit and withdraw money freely with passwords. As long as depositors have a card and password, they can withdraw cash through ATM machines. In short, the bank will not track the specific situation of any depositor.

Finally, the bank doesn't know which depositor is dead and which depositor is not, and neither does the bank. The most important thing is that the bank has no contact information of depositors' families, and you can't contact them if you want.

These are the real reasons why banks will definitely not take the initiative to contact the families of the deceased.

What about the victim's money?

The bank will settle the interest in accordance with the agreement before the depositor dies. This money is divided into two situations.

First, the money is left in the bank, and the bank deducts certain fees according to the regulations, and at the same time, the interest is credited to the depositor's card according to the agreement. If no one has come to collect the money, the bank will deduct some related fees until the money is deducted.

Second, the family of the deceased came to collect money, but they didn't know the password. If they know the password and have a card, the bank will get it for the family of the deceased. However, if the family members of the deceased do not know the password, they must take the notarial certificate of the deceased to the bank for deposit, otherwise the family members of the deceased will not get the money.

In short, it is indeed a very complicated problem to encounter this situation. Banks have banking regulations, and banks act in accordance with the law in this matter.

This kind of money is tens of billions every year.

But a very realistic problem is that in the face of "dormant deposits", banks generally do not take the initiative to find the parties or stakeholders, because banks do not have this obligation.

Absolutely not. Just like the money I lent you, I missed it one day. Think about it. Will you return the money to my children? Of course, if my child knows that you owe me money, he will ask you for it. What if you don't know? That's up to your consciousness.

0 1 The more people die abnormally, the more money the bank gets. Just think of Switzerland, a neutral country in World War II. At that time, a large amount of gold, silver and money deposited by Nazis and other war dead still remained in the bank, so it was difficult for the bank to donate money to help the war victims. Not to mention offering it to the depositors' families. In peacetime, many people suddenly died or disappeared due to natural and man-made disasters, and they also left huge deposits in the bank that could not be handled. No wonder banks rarely go bankrupt. This is because there are unexpected gains and unexpected troubles for others.

The bank cleverly avoided the unnatural death of depositors that it might know. Banks are the economic lifeline of the country and society and are extremely important in economic and social development. National laws, preferential policies and bank rules and regulations also ensure the normal operation and full profitability of banks. Believe it or not, among the major industries in China, the financial industry has the highest average income almost every year. In the modern information society, it is really simple for banks to know whether depositors are still alive, even if they ask the community square dance aunt, they will know immediately. But I just don't check the bank, don't ask, don't look, I know, pretend not to know. The depositor died unnaturally and did not tell his family to withdraw money. Especially for those who have saved for hundreds of years, banks will not take the initiative to contact their families to handle withdrawal matters. Generally speaking, banks are afraid that depositors' families know that they have depositors' money, and do everything possible to let their families know and not let them know.

Mandatory legal and institutional mechanisms should be established to protect the legitimate rights and interests of the deceased and their families. Formulate relevant laws, regulations and rules, take the return of dead deposits as the credit index of banks, and formulate punishment measures. Cooperate with public security, courts, civil affairs, social security, hospitals and other departments to inform, find, verify and determine the details of the deceased, so that the deposits of the deceased can be accurately delivered to their families. If the family members of the deceased do not know the deposit situation of the deceased, the family members can inquire about the deposit situation from financial institutions smoothly and simply.

Not your own money, even the country can't take it casually. Some things, even if they are not good for you, should be done on the high ground of morality and credibility. But in any case, do it, cherish it, and don't have the tragic situation that people go to the building and the money is still in the bank.

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Hello, I'm glad to answer your question. If someone dies, but no one knows about the deposit in the bank, will the bank inform the family? My answer is no, and actually it won't. Reason:

First, the principle of confidentiality of bank deposits.

When a depositor deposits in a bank, the bank will collect the personal information of the depositor and reserve the personal mobile phone number of the depositor. Banks adhere to the principle of "voluntary deposit, free withdrawal, interest-bearing deposit and confidentiality for depositors" and will not disclose depositors' information to anyone or any institution, including family members.

Second, about the death of depositors.

Whether the depositor is dead or not, the bank does not know, and the bank has no right and obligation to inquire about the depositor's life and death. For the family members of depositors, the bank did not collect customer information other than depositors, nor did it know whether depositors had family members.

So if the depositor dies, the bank will not inform the depositor's family.

How do I know whether a depositor has a bank deposit when he dies? There are two easiest ways.

First, find the depositor's belongings.

Whether a depositor has a deposit after his death can be obtained by looking for the depositor's relics. For example, you can query the mobile phone and get information from the depositor's mobile phone. Start with downloaded mobile phone software, such as WeChat, Alipay and mobile banking. If there is downloaded bank information on the mobile phone, you will know which bank it is. As for how many deposits there are, you can log in to mobile banking through your mobile phone. If you don't know the password, you can log in and inquire by SMS notification. In addition, it can also be learned through bank SMS notification or bank app notification system.

Then look for relics, bankbooks, certificates of deposit, debit cards, etc. , by looking for relics to obtain depositors' deposit information.

Second, through the bank counter query

When the depositor dies, you can check the depositor's deposit at the bank counter, as long as you bring all the relevant procedures. For example: the depositor's death certificate, the identity certificate of the inquirer, the relationship certificate with the depositor, etc. , the bank will assist in the inquiry and obtain the depositor's deposit information through the bank counter inquiry.

That's my answer. I hope I can help you.

When a person dies, if he still owes money to the bank, the bank will immediately notify the guarantor and stakeholders to pay off the debts, which is efficient and makes you deeply understand the banker's professional ethics and strong sense of responsibility.

However, if the stakeholders want to know if there is any money in the bank, you have to obtain identification and write an inquiry letter to the bank, and then the bank will print out the latest running account of the relevant account;

Take these documents to the notary office, go through the formalities, pay the fees, and then make a notarial certificate. This process is as short as one month and as long as several months. Because the notary office has to perform a verification procedure, even the bank next door has to send a letter (silver water and this business is an important business of EMS). After receiving the notarial certificate, you go to the bank to cancel the account, and the money will arrive in a few days. I was moved to tears by handling this matter. For the safety of our people's property, the country really thinks of us! How many heroes have worked hard for us behind the scenes! ! ! !

There are indeed many people who worry that their family members have money in the bank, but in case their family members don't know about the money after their illness or accidental death, the money will be wasted in the bank. For example, after the death of an old man in Qingdao, his second wife and children went to court because of disputes over property and housing division. When they inquired about the property through the court, they found that the elderly had more than 2 million deposits in several banks.

Many people complain that banks don't inform their families because they want to hide depositors' deposits. In fact, this is somewhat unfair to banks. Banks are only specialized deposit institutions, and they have no responsibility for social management. For example, in the past, state-owned enterprises had to give pensions to retirees and manage retirees themselves. However, with the progress and development of society, all retirees' pensions are paid by social security funds through bank accounts. It is the state that promotes all retirees managed by state-owned enterprises to implement socialized management and reduce the burden on enterprises.

Retirees should receive their pensions with certificates every year, so as to ensure the monthly payment of pensions. If they fail to pass the pension qualification certification, the pension will be suspended. Even government departments, with the assistance of community service centers and sub-district offices, can only achieve the situation that each retiree has only one pension relationship. And how can banks in our country have the ability to verify the survival of more than 654.38 billion depositors?

In addition, what measures will be taken if the insured dies? Notify the family? How does the bank know that the family members of the parties don't know about this? Maybe the family members just want to deal with it temporarily.

But everything is true. If the notice is wrong, will the deposit orchid be very angry? The death of a person is definitely a blow to the reputation of a bank. Some unreliable people even ask for compensation or restore their reputation in newspapers.

Who should bear the cost of this verification? Depositors or notices? Or a bank has no legal obligations, and from an economic point of view, the bank will definitely not bear it. As there is no law, the bank has to notify again. Isn't this "looking for trouble"? I believe that no manager or decision-maker will do this.

Family deposits will not be misappropriated in the bank. Protecting the security and privacy of household deposits is the main responsibility of banks. If it is a long-term account with no capital flow, the bank will regard it as a "long-term fixed account" or a "long-term expectation account", and an account with no capital flow for 1~2 years can be regarded as a long-term fixed account. The management of associated accounts is generally to transfer related funds to special account funds, which are supervised by banks in a unified way. When a real party withdraws a deposit with a valid identity document, it must go through a very strict verification work, and it is absolutely impossible to take the money away casually.

These practices are the general standards of banks, whether domestic banks or foreign banks. Swiss banks even have thousands of accounts and personal savings cabinets that have not been used for more than 100 years. In this case, Swiss banks will find the parties and heirs through the identity information left behind. Think about it, it's been 100 years, how difficult it is to find it again. If you only have one yuan in your personal account, is it worth the trouble of the bank? In fact, Swiss banks have to pay management fees for their vaults, and banks have the right to open and dispose of their property after the expiration.

Therefore, it is only 7 1 year since the founding of New China, and earth-shaking changes have taken place in China. It is impossible for banks to actively seek depositors in a short time, at least until a hundred years later. There are not many problems accumulated in this way now, and I believe that the state will introduce relevant policies to deal with them in the future. # Wealth Management Competition Season 3 #

After all, banks are only profit-making institutions. If you don't take the initiative to withdraw money, they won't pay you back.

First of all, after the depositor deposits the money in the bank, it is essentially a savings contract with the bank. According to the savings contract, although the depositor can withdraw the principal and interest as agreed, at the same time, the bank will possess, use and earn the money. Moreover, the longer the money is kept in the bank, the longer they can use it and the more income they get.

Therefore, in order to get more income, banks naturally hope that depositors can keep their money as long as possible, and even hope that depositors can forget their money and never come to get it. Therefore, if the depositor dies, as long as his heirs don't tell the bank that the depositor is dead, the bank will assume that he is still alive regardless of whether he knows that he is dead, so as to continue to possess, use and benefit the money as always and strive for greater interests for himself.

Secondly, after all, banks have not realized information interconnection with household registration organs, funeral parlours and other specific institutions in charge of life and death, so it is impossible to know the death information of depositors in time. Moreover, the bank will not regularly check the living conditions of all depositors, and whether they are still alive or not, and the bank does not know. As long as no one comes to withdraw the deposit, the bank will keep it. This is why bankbooks that have been preserved for hundreds or even hundreds of years are often exposed on the Internet.

Finally, the bank did not actually violate the law, because although the depositor died, according to the general principle of "generalized inheritance", his legal successor automatically assumed his creditor's rights and debts, so he automatically took over the "depositor status" and related rights and obligations. In this way, the depositor of the savings contract will be automatically replaced by the heir, and the bank will continue to legally possess the money.

To sum up, when the depositor dies, the heir should take the relevant documents in time and take the money out of the bank or transfer it to his account.

No, and it's very troublesome to withdraw the money from the bank! The true story took nearly half a year to understand this process clearly and remind everyone.

Grandpa died last May. He got sick and died quickly, and many things were not explained clearly. In addition, the old people usually eat, wear and live together and have no place to spend money. Our family doesn't know how much money he has.

Because grandpa is a retired employee of the enterprise, he can receive a lot of pensions every month. When he was sick, the old man said that he would use the money in his pension card to treat the disease.

At that time, grandpa told the three children the password. Later, my father and three sisters also knew the money, a little more than 200 thousand. It cost nearly 65,438+million to see a doctor, more than 60,000 to deal with the aftermath, and the remaining 50,000, because grandma was long gone, that is, the three sisters negotiated and shared.

When sorting out grandpa's relics, the whole family was in a sad state, and no other bank cards and passbooks were found. The three brothers and sisters thought grandpa was just a pension card.

Behind it is the process of receiving death pension.

To put it simply, the process of receiving death pension is:

1. Units or relatives apply and submit corresponding materials to prove.

2. Audit of social security institutions;

3. Accounting and payment of death pension. (Death treatment is divided into three parts: funeral expenses, pension and personal account return)

The information that family members need to provide to the Social Security Bureau is generally (at that time, our family provided the following materials to Grandpa's original unit, and Grandpa's original unit also had a special person to handle it, and there were acquaintances who were particularly familiar with the process, so it was relatively smooth)

1. One original and one copy of the death certificate issued by the hospital.

2. The original cremation certificate and the original and photocopy of the funeral home administrative fee bill.

3. One original and one copy of the cancellation certificate issued by the local police station.

4. One original and one copy of the applicant's identity and relationship with the deceased; The power of attorney of the successor, if there are multiple heirs, shall also provide a notarial certificate.

5. Bank card of the designated bank (for transferring death benefits)

Then fill in the Application Form for One-time Payment (One-time Treatment) in Personal Account and the Application Form for Funeral Pension for Insured Persons' Death Due to Illness or Non-work.

Follow-up social security agencies will verify and issue benefits after verification:

20-month basic pension +3-month social salary+one-time return of personal account.

Seriously, this is also a lot of money. Later, grandpa's original unit mailed the confirmation letter, and our family didn't take it to heart at that time, because grandpa's original unit had already called.

One day, when my father was sorting out the sundries, he found a letter from my grandfather's original unit. When I opened it, I found that I almost missed the big event!

It turned out that in this letter from Grandpa's original unit, in addition to the entrustment confirmation of death pension (basically completed), Grandpa's original unit also said that the company's death employees and unit pensions were distributed in employee welfare cards.

The dividing line-

Then there is the complicated inquiry process, justice and inquiry. The whole process revolves around the bank, and the bank will not move. Anyway, it will be waiting for you there. Now my father knows that grandpa should have another card. I couldn't find the bank card at that time. Father knows the bank card number from grandpa's original unit. At first, he went to the bank to check the balance, and the bank staff replied-no! Go to the notary office to get a family relationship certificate!

My dad also expressed his understanding. He was afraid that the bank would say half of everything, so he prepared another original material for receiving death pension, and asked my second dad and my sister-in-law to send a power of attorney (my second dad and my sister-in-law were in other places).

My father thinks he is well prepared and he should have everything. Now all he has to do is reissue his bank card and reset his password. At the bank, it still doesn't work. The bank staff said that all his relatives needed to be present.

Later, my father and three brothers and sisters decided not to leave the money they could get to the bank. Finally, the three of them went to the bank together, but it still didn't work, because there was no bank card, and grandpa's original unit needed to provide proof of payment, and the notary office needed notarization.

Anyway, the process is complicated. Finally, I know the balance of the bank card, and then the bank asks to go to the notary office for notarization.

Tips:

(The balance after bank inquiry must be clearly recorded before issuing the notarial certificate. The amount written in the notarial certificate is wrong, and the bank will not handle it for you. )

At that time, the bank provided the balance of the bank card, and my father and three brothers and sisters also went to the bank to handle it. The result is still not good, saying that the balance is wrong, saying that Grandpa still has a deposit certificate of 20,000 yuan.

At that time, my father and three brothers and sisters were furious. I don't know if the bank staff was inspired or did something. I can't help it, because my second father and my sister-in-law have both returned to work for work reasons.

Later, my father found the information of a bank friend and helped him. Finally, there is a written certificate of inheritance notarized by the notary office, as well as a power of attorney from my sister-in-law and my second father. Under the standardized operation, the money will be transferred in half an hour. Obviously, it took months to do things in half an hour.

Summary: Foreign banks will generally entrust a third-party institution to find an heir for the death of depositors. If you find an heir, give it to the heir. If you can't find it, donate it to a non-profit organization.

Domestic banks generally do not take the initiative to inform depositors' families, but they will list the funds in these sleep accounts as non-operating income and temporarily belong to the banks. Then you said that if the heir comes to the door, the bank will return the deposit to the heir with interest and interest, which will be regarded as non-operating expenses.

But as an heir in China, of course, you can inherit the deposits of your deceased relatives. But first, you need to prove that you are an heir and have the right of inheritance notarized by a notary office.

In addition, the notarization fee is generally 300-500. If there is not much money in the bank card, if it is not for fighting with my father, three brothers and sisters, the money will only be given to the bank.

The subject's question reminds me of an incident in college. At that time, the husband of an employee of a university office worker came back from other places and suddenly had a bad headache and looked trance. I went to the hospital for CT scan and MRI, and was diagnosed as a brain tumor. The doctor's order is an operation. His wife signed the notice of operation. Her husband is usually in good health, and they encouraged each other when he was pushed into the operating room. However, on the third day after the operation, the patient suddenly became swollen in the head, fell into a deep coma, had a high fever, and finally died.

The woman worker's husband didn't leave a word before he died: what did he do and how much money he had. Just tell her he's an orphan and works for the southern boss. He gave her 1000 yuan every month to spend whatever she wanted, just asking her not to ask what she shouldn't ask. In the 1970s, the monthly living expenses of 1000 yuan was a very objective sum of money. They also have no children. Her parents are in the countryside, and a younger sister also runs a factory at school.

The worker's husband suddenly left, so she calmed down and thought, my husband gives me 1000 every month. He must have a lot of money, but where can his money be? If there is a bank, how can I find it without a passbook? Where will it be hidden if it is left at home? She's confused. When she was in charge of the funeral, she searched the whole house and found nothing. One day, she found an ICBC withdrawal slip in her husband's pocket. If she got the treasure, she found the ICBC savings office. As a result, the search was refused because there was no deposit certificate. Under the guidance of a wise man, she sued the court. As a result, after searching, her husband only had 3000 yuan in ICBC. She was very disappointed. She didn't believe it, so her husband saved 3000 yuan. However, where did he put the other money?

She didn't want to tell her sister. One day, she was very depressed. She told her sister. Her sister said, "Sister, will he leave a secret compartment and put money in when decorating the house?"?

"ah! Why didn't I think of that! " . So, the two sisters began to make walls at home. Knock on the floor, skirting board, ceiling. See if there's a hollow sound. As a result, they really found it. There are obvious signs of frequent starting at a skirting board, and the inner wall makes a hollow "bang, bang" sound after knocking at the door. They opened the skirting board and a rectangular space leaked out of the wall. There is an exquisite ornamental plant basket in the space. Their hearts are about to jump out with excitement. After opening the raft. They were shocked, and there were 9 certificates of deposit with 5-year and 3-year maturities from China Bank, China Construction Bank and China Agricultural Bank. The total amount is 280,000.

Sister went through the relevant formalities and took out the money. Afterwards, the female worker gave her sister 30 thousand, and her sister said, without me, this money will never sink into the sea! From then on, the two sisters turned against each other.

The question asked by the subject can be expressed more clearly: when the depositor died, no one knew whether the depositor had a sum of money. If it was estimated that he might have money, he didn't find any evidence and didn't know which bank existed. Judging from the real case above, it is really troublesome to query.

The clever way is: 1. Live well; 2. Tell the person you love if you have money; 3. Make a will.

Fourth, I really can't. Heirs can bring their ID cards, household registration books and decedent's ID cards, death certificates and kinship certificates, go to the local notary office to handle the deposit inquiry letter, and then go to the relevant bank for inquiry. However, the notarization fee is charged according to the subject matter of the assets.

Therefore, it is the best policy to plan ahead.

In fact, this is a "dormant deposit" problem. The so-called "dormant deposits" actually refer to those personal deposits that have no transaction records for a long time. Of course, some of them are "principal deposits" and the other part is "ownerless deposits". The problem we are going to discuss today is actually the problem of "ownerless deposit", because the family members don't know that the deceased has a deposit, and the bank doesn't know that the depositor is dead. Therefore, this part of the deposit will be placed in the trading system with the bank for a long time.

There has been no clear solution to the "ownerless deposit" of depositors' death. Banks have no obligation to find depositors who can't be contacted for a long time, and they have no obligation to specifically inform relevant family members. In fact, banks don't have specific information about their family members. Under normal circumstances, banks just let these deposits bear interest normally. The practice of some banks is to list those long-term "ownerless deposits" as "non-operating income" to avoid occupying the internal system resources of banks. Once someone claims the deposit here, it will be paid as "non-operating expenses". But this practice is actually controversial, and there is the possibility of "unjust enrichment" to some extent.

In fact, the most likely situation of this "ownerless deposit" is that after some large-scale disasters, many families' deposits will be forgotten by everyone. For example, after the Tangshan earthquake in China, it took about 8 years to deal with the corresponding problem of "unclaimed deposits", which shows that it is very difficult to deal with and lacks a particularly clear legal basis.

In fact, such "dormant deposits" are increasing every year. It is really necessary to formulate corresponding legal provisions to restrict it. Once there are clear legal provisions, the relevant banks can better deal with the corresponding capital problems.

Some foreign reference methods. This kind of "unclaimed deposit" is also common abroad. Many foreign banks deal with it by transferring their deposits to specialized third-party institutions after they have been unclaimed for a long time, and continuing to look for depositors or their legal successors. If you can't find the relevant personnel for a long time, set up a corresponding fund and use the corresponding funds for public welfare undertakings.

Summary: In fact, this part of the funds is still relatively large, and effective utilization also has its core value. Therefore, it is still necessary to formulate special laws and regulations, supplemented by effective management measures, so that the relevant funds can be returned to depositors or their heirs as much as possible. If you can't find it, it can also be used to make corresponding contributions to society.

First of all, this question implies three premises:

If these three conditions are established, we can discuss why banks don't notify their families. Obviously, these three premises are not valid. First of all, the banking system is not as powerful as hospitals, public security bureaus and even funeral homes. It only has the financial information of the depositor and some simple information such as occupation, age, address, education and so on. As for the name of the son, how old he is, the name of his wife, and the name of his grandparents, the account manager of this customer and the customer can understand it, even if they know it, they can't talk nonsense out of professional ethics. Moreover, it is illegal for the account manager to inform family members privately, because this is the privacy of the customer, not to mention the specific situation of the customer's family, the relationship between them, and whether they have inheritance rights. These are more legitimate legal solutions, such as going to the public security bureau to open an inquiry letter, and family members with inheritance rights can go to various banks to inquire about the deposits of the deceased.

I don't understand why I have to take my ID card to check the balance in the bank window. For example, the customer's wife (husband) knows the password and does not check it, which will make the customer very unhappy. Later, I learned about a complaint case and realized that it was a husband who complained about our bank because his wife took his card to check the deposit information of the bank card. It turns out that two people are getting divorced, and the wife is cheating on her husband, but as a staff member, the bank doesn't know about the husband and wife.

In fact, customers don't have to take this seriously, because now online banking, mobile banking, including ATM machines can easily query the information of their accounts.

To sum it up.

In this case, it is better to inquire relevant information through the court.