Is Tianjin Binhai Rural Commercial Bank a regular bank?

1. Tianjin Binhai Rural Commercial Bank is a formal rural commercial bank approved by the China Banking Regulatory Commission and the first rural commercial bank in China to set up branches in different places. Tianjin binhai rural commercial bank has more than 50% state-owned shares, which can be said to be a state-controlled rural commercial bank. On March 9, 2020, the "20 19 China Banking 100 Top List" was released, and Tianjin binhai rural commercial bank ranked 98th.

2. binhai rural commercial bank has established a relatively complete information technology system with complete electronic service channels such as online banking, mobile banking, WeChat banking and self-service banking. It has a comprehensive Internet financial service platform of Binhai Weizhong Bank, which provides customers with multi-channel secure access and enjoys a variety of services represented by a series of products such as "Golden Mango", "Liminbao", "Dinghuotong" and "Payment Payment".

handle trade

1, personal business

Tianjin Rural Commercial Bank provides all-round services to individual customers with complete products, mainly including: bank card business, savings business, personal loan business, agency business, personal settlement business and wealth management business. Among them, Binhai card, personal car loan, personal housing mortgage loan and vehicle purchase tax collection are well received by the people.

2. Savings business

The savings business of Binhai Rural Commercial Bank covers current savings, lump-sum fixed-term savings, fixed-term savings with deposit and interest, and educational savings. At the same time, it provides customers with personal credit services such as personal deposit certificates. Binhai rural commercial bank, Tianjin can handle savings business in more than 70 outlets in Tianjin, which are all over Binhai New Area, providing you with "home-front" savings business.

RMB demand savings refers to a saving method that customers can deposit and withdraw money at any time, and the amount of deposit and withdrawal is unlimited. The initial deposit amount of current savings deposit is 1 yuan.

Applicable groups:

Individual China residents.

Product features:

1. Easy access: access at any time with bank card/passbook.

2. Flexibility and universality: the corresponding business can be handled through any outlet of the Bank, ATM, telephone banking, online banking and other channels.

Income:

1. Interest shall be settled once every quarter on 20th, and the interest shall be calculated according to the deposit interest rate listed and announced on the settlement date.

2. If the account is not settled on the interest settlement date, it shall be counted as the day before the interest settlement according to the deposit interest rate listed on the interest settlement date.

3. In case of interest rate adjustment during the deposit period, interest will not be calculated in installments.

Processing flow:

1. Account opening: Fill in the account opening application and deposit slip with my valid ID card, and get a current passbook or bank card. If it is an agent, the agent must hold valid identity documents of the depositor and the agent.

2. Deposit: The depositor or agent holds a current passbook or bank card. If the depositor or agent does not hold the certificate of deposit, but only provides the account number and account name, he must show his identity certificate.

3. Withdrawal: Depositors must withdraw money by current passbook or bank card; If the single cash withdrawal amount is more than 50,000 yuan, a valid identity certificate must be provided. If it is an agent, you must also show the identity certificate of the agent.

4. Closing the account: When closing the account, the profit will be paid off with the principal. If the total cash principal and interest exceeds 50,000 yuan, a valid identity certificate must be provided. If it is an agent, you must also show the identity certificate of the agent.

5. Others: please bring your ID card with you when reporting loss, canceling reporting loss, changing password, changing card/discount, and making large withdrawals.