Extended data:
Time deposit business of CCB
(1) lump-sum deposit and withdrawal
Refers to personal deposits with agreed term, lump-sum deposit and withdrawal, and repayment of principal and interest at maturity. From the time of deposit in 50 yuan, the interest shall be calculated at the agreed interest rate at the time of deposit, and the interest shall be paid off together with the principal. The lump-sum deposit can be automatically transferred on the maturity date. The storage period is divided into six grades: three months, six months, one year, two years, three years and five years. Please refer to the interest rate table for specific interest rate standards.
(2) lump sum deposit and withdrawal
Refers to personal deposits with agreed deposit period, fixed monthly deposit amount (determined by you) and one-time withdrawal of principal and interest at maturity. The procedure of opening an account is the same as that of current savings, except that it needs to be renewed every month according to the amount agreed at the time of opening an account. The procedures for depositors to withdraw in advance shall be handled with reference to the relevant procedures for lump-sum withdrawal of time savings deposits.
Generally, the deposit starts at five yuan and is made once a month. If there is something missing, it should be made up next month. Interest is calculated according to the actual deposit amount and the actual deposit period. The deposit term is divided into one year, three years and five years. The interest is calculated according to the zero deposit and lump-sum interest rate listed on the deposit opening date, and the part that is withdrawn before maturity or in advance is calculated according to the current interest rate listed on the withdrawal date. Please refer to the interest rate table for specific interest rate standards.
(3) lump sum deposit and withdrawal
It refers to a personal deposit with an agreed deposit period when opening an account, in which the principal is deposited in one lump sum and the principal is withdrawn in installments within a fixed period of time. The procedure for opening a deposit account is the same as that for opening a current account. From the deposit of 1000 yuan, the withdrawal period is divided into one month, three months and six months, which is determined by you and the business outlets.
Interest is calculated at the zero withdrawal rate listed on the deposit opening date, and will be withdrawn at the time of settlement. For the part that has not been withdrawn due or withdrawn in advance, the interest shall be calculated according to the current interest rate listed on the withdrawal date. The deposit term is divided into one year, three years and five years. Please refer to the interest rate table for specific interest rate standards.
(4) interest-bearing deposits.
It refers to personal deposits with agreed deposit period, lump-sum withdrawal, interest withdrawal in installments according to a fixed period and principal withdrawal at maturity. Usually it's five thousand yuan. You can withdraw interest once a month or several months, and you can withdraw any amount many times within the withdrawal limit agreed at the time of opening an account.
Interest is calculated according to the listed deposit rate on the account opening date, and the unexpired withdrawal or early withdrawal is calculated according to the listed current interest rate on the withdrawal date. The deposit term is divided into one year, three years and five years. Please refer to the interest rate table for specific interest rate standards.
(5) Life defecation.
It refers to a personal deposit that customers do not have to agree on the deposit period when opening an account, and the bank pays interest according to the actual deposit period of customers and can withdraw it at any time. For deposits in 50 yuan with a maturity of less than three months, the interest shall be calculated according to the current interest rate listed on the withdrawal date; If the deposit term is more than three months (including three months) but less than half a year, the interest shall be calculated at a 60% discount on the three-month lump-sum deposit rate listed on the withdrawal date;
If the deposit period is more than half a year (including half a year) but less than one year, the whole deposit period will bear interest at 60% of the deposit rate for half a year on the withdrawal date; If the deposit period is more than one year (including one year), no matter how long the deposit period is, the whole deposit period will bear interest at a discount of 60% at the one-year deposit rate on the withdrawal date.
(6) Notice deposit
It refers to a personal deposit method in which the customer does not agree on the deposit period when saving money, and notifies the bank in advance when withdrawing money, and agrees on the date and amount of withdrawal. The minimum deposit amount is RMB 50,000 (inclusive), and the equivalent foreign currency is USD 5,000 (inclusive).
Personal notice deposits need to be deposited in one lump sum, which can be withdrawn in one lump sum or in installments. However, after installment withdrawal, the account balance cannot be lower than the minimum deposit amount. When it falls below the minimum deposit, the bank will close the account and turn it into a demand deposit. Personal notice deposits are divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice period selected by depositors.
One-day notice deposit needs to send a withdrawal notice to the bank one day in advance, and the deposit period needs at least one day; Seven-day notice deposit needs to send a withdrawal notice to the bank seven days in advance, and the deposit period needs at least seven days. Please refer to the interest rate table for specific interest rate standards.
(7) Education savings
Education savings is to encourage urban and rural residents to save money for their children to receive non-compulsory education and promote the development of education. The object of education savings is students above grade four (including grade four) in primary schools. Each account of education savings is deposited in 50 yuan, with a maximum principal of 20,000 yuan.
China Construction Bank-Personal Deposit-RMB Savings Deposit