Will there be a short message from the bank after the time deposit is about to expire?

As long as the SMS function is turned on, the account will be notified by SMS if there is any change.

After the time deposit expires, you should check whether your deposit is transferable. If it is negotiable, it will be automatically transferred out of your previous time deposit. Non-negotiable, the excess after maturity is current interest, and the certificate of deposit indicates negotiable and non-negotiable.

Extended data

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 write-off 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deposit listed on the withdrawal date, and the retained part is paid according to the original interest rate when it is withdrawn on the original deposit date. A lump-sum time deposit can only be partially withdrawn once in advance for each certificate of deposit. If it has been partially withdrawn in advance, the savings institution shall indicate the words "partially withdrawn in advance" on the withdrawn deposit slip and the newly opened deposit slip. (After 20 11March1,the lump-sum deposit in CCB, whether deposited before or after, can be partially withdrawn indefinitely, and it is no longer restricted once. )

The term of a deposit in a bank can range from 3 months to 5 years, from 10 years. 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.