People who like to deposit money in the bank must know that there are "5 taboos" in bank deposits, and many people have chosen the wrong one, and the final result is that either the interest is not high, or the principal is damaged, so depositors must pay attention to saving money.
First, try not to choose "automatic rollover", although the operation is convenient, but the disadvantages are also very obvious, that is, the depositors who choose automatic rollover can not enjoy the floating interest rate of the bank, so if you want to enjoy the floating interest rate of the bank, you need to choose to deposit and withdraw, and at the same time, depositors must pay attention to the maturity time of the deposit, otherwise the fixed deposit will be automatically transferred to the current account after expiration, so that the interest will also be lost.
Second, don't blindly choose deposit products with high interest rates and long deposit periods, some people blindly choose when they see high interest rates when they save money, and the premise of high interest rates with long term is that they must mature to enjoy, if they are not due for some reason and withdraw halfway, then the final interest income is not as good as short-term fixed deposits, because the fixed deposit interest rate withdrawn in advance is directly calculated according to the current account.
Third, in the same bank deposit limit should not exceed 500,000, this is also for the sake of capital security, we all know that banks can go bankrupt, and there are such precedents, and whether the bank they choose will fail is actually no one, if this problem occurs, then the deposit amount of more than 500,000 is not within the scope of the deposit insurance regulations, so it may cause financial losses.
Fourth, keep personal information, fixed deposits generally have a certain period of time, as short as a few months, as long as several years, when we deposit a fixed term, no one can guarantee that we can often check the funds, so once the personal information is leaked, there is a risk that the funds will be withdrawn or transferred, and the depositor does not know, the later investigation is also a very troublesome thing.
Fifth, don't turn deposits into "financial management and insurance", many people must have had similar experiences, when we take a sum of money to the bank to store, the bank staff is likely to recommend other high-yield products to you, in order to confuse the concept, high yield must be accompanied by high risk, not guaranteed principal and no interest, the surface of high yield may not be able to get at that time, so the deposit is the most stable choice.
To sum up, the 5 taboos that appear in the bank depositors must be careful, many people will choose because of carelessness, in fact, these are closely related to their own interest, so depositors must pay attention to saving money.