RMB regular education savings deposit refers to the deposit business in which residents deposit funds for their children to receive non-compulsory education (full-time senior high schools, junior colleges, undergraduate, master's and doctoral students other than nine-year compulsory education) and open education savings.

Features: lump-sum deposit method, regular deposit interest rate, interest-free income tax.

Minimum deposit amount: the minimum deposit amount is 50 yuan, and the maximum principal amount is 20,000 yuan. The principal cannot be deposited in one lump sum.

Term: RMB fixed-term education savings deposits are divided into 1 year, 3-year and 6-year periods. Only RMB accounts can be opened.

Open target: students above grade four (including grade four) in primary school. When a depositor is studying in a full-time senior high school (technical secondary school), an undergraduate (junior college), a master's degree or a doctor's degree, he can enjoy the interest rate discount of 20,000 yuan for education savings in each learning stage with the Certificate, and one person can enjoy the discount for up to 3 times.