Is there a SMS notification for time deposits?

There is no SMS reminder for time deposits. However, there is no separate SMS reminder for time deposits. Instead, when deposits are transferred to current accounts on a regular basis, if SMS reminder is enabled for current accounts, the amount of deposits transferred to current accounts will be reminded. If you want to open SMS reminder service, you can bring your ID card and bank card to the business outlets.

Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit for a fixed account is 50 yuan, and there is no deposit limit.

The storage period is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.

Interest shall be calculated and paid at the deposit interest rate on the day when the deposit certificate is issued, at the current deposit interest rate on the day of withdrawal for early withdrawal and at the deposit interest rate on the day of withdrawal for overdue withdrawal. I can apply for a small pledge loan with my time deposit certificate.

For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the identity certificate of the depositor in advance; If the withdrawal is made on behalf of the depositor, the payee must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal. The payee must also sign the name of the payee on the payment voucher.

For unexpired time savings deposits, depositors can make partial withdrawal in advance according to their needs, and the verification procedures remain unchanged. The interest rate of the early withdrawal part is paid according to the interest rate of the current savings deposit listed on the withdrawal date, and the retained part is paid according to the original interest rate when it is withdrawn on the original deposit date. A lump-sum time deposit can only be partially withdrawn once in advance for each certificate of deposit. If it has been partially withdrawn in advance, the savings institution shall indicate the words "partially withdrawn in advance" on the withdrawn deposit slip and the newly opened deposit slip. (After 20 11March1,the lump-sum deposit in CCB, whether deposited before or after, can be partially withdrawn indefinitely, and it is no longer restricted once. )

limited time

It refers to the deposit that the depositor can only withdraw money on the specified date after the deposit or must notify the bank a few days before the withdrawal. The term varies from 3 months to 5 years, and from 10 year. Generally speaking, the longer the deposit term, the higher the interest rate. Traditional time deposits include not only certificates of deposit, but also passbooks, also called passbook time deposits. However, 90 days is the basic interest-bearing days, and no interest will be calculated after 90 days. Compared with demand deposits, time deposits are more stable and have lower operating costs, and the deposit reserve ratio held by commercial banks is correspondingly lower. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.