When an elderly person dies in the family, how to withdraw the money deposited in the bank smoothly has always been a special headache.
Because our banks, with their slogan "Freedom of Deposits and Withdrawals", will actually always get you in trouble. Let you *** all kinds of proof, and then you spend countless time and energy, and in the end, you may be "troubled" by the bank, and the money will still not be withdrawn.
As a bank manager, today I will teach you step by step: how to withdraw the old man smoothly when he has left a fixed deposit in the bank
If you follow the process I taught, the bank will not dare to embarrass you in the slightest, and must obediently withdraw money from you.
Unlike demand deposits, time deposits have a particularly strict withdrawal process. Regardless of whether the fixed deposit is due or not, under normal circumstances, three documents are required to withdraw money: password, original fixed passbook (certificate of deposit), and the depositor should bring his or her ID card.
All three documents are indispensable.
However, now that the depositor has passed away, can the family bring it?
Absolutely. For example, Zhang San died and had a fixed deposit in the bank. His family member, Zhang Xiaosan, came to withdraw the money. Then 50,000 of the following documents: the original of the regular passbook (deposit receipt), password, Zhang San's ID card, Zhang Xiaosan carries his ID card.
Therefore, as long as you know the password and have the ID card of the depositor, it is relatively easy to withdraw the fixed deposit.
However, there are two problems with this:
FirstIn many places, especially in big cities, if you don't go to the police station to close your account and issue a death certificate, the crematorium won't give you a spark.
And once the account is closed, the ID card will be cut off. An ID card with a cut corner is invalid at the bank.
Therefore, when an elderly person dies in the family, the first step is not to be busy canceling the account, but to take out the deposit in the bank while the ID card has not been cut off.
SecondAs long as the depositor dies, all his property is an inheritance. Including the deposits left in the bank, they also belong to the inheritance.
How to inherit the inheritance is clearly stipulated in the laws of our country. The inheritance does not belong to any one family member, but to all the first heirs.
And money is the most touching, and the originally harmonious family is likely to turn against each other in order to compete for the inheritance, and even embark on the road of lawsuits.
Therefore, in order to avoid being involved in inheritance disputes, banks will be particularly cautious and strictly follow the procedures.
Therefore, when you go to the bank to get your inheritance, you can bring all your documents. Don't talk too much about saying "the depositor has died" or "this is an inheritance".
I guess the bank teller heard this and wanted to rush out and beat you.
You make it clear that this money is an inheritance, what about the bank teller?
Don't let you withdraw your money, you will**. It's hard to shoot another ** and incite netizens to scold the bank together.
Withdraw money for you, what if you are "fishing law enforcement"?Will there be a scene of several heirs pit the bank together in the future?This kind of thing has not happened before.
So, you withdraw money, don't talk too much. If the bank teller asks you why you don't deposit?You can just come up with a reason, saying that you want to buy a house, buy a car, and pay a bride price for marriage. Don't be so realistic, saying stupid things like someone dies and your family comes to withdraw money.
As mentioned earlier, the withdrawal of money from fixed deposits, the password and the original ID card of the depositor cannot be missing. Without one of them, there is no way to get the money out. The only way is to get a notarization.
However, there are two types of cases:
First, the amount is less than 50,000 yuan.
The amount is less than 50,000 yuan, which is a "small inheritance". Remember, this is not a rule for any bank, it is the standard for all banks.
For small inheritances, there is no need to go to the notarization. The first heir can go to the police station to issue a death certificate, and then take the certificate that can prove the relationship (household registration book, which contains the information of the depositor and family members), and then you can withdraw the money.
Everyone must remember that this family does not need a specific person, as long as it is the first heir. If there is an inheritance dispute between family members. Then this money is whoever moves fast, and the money is his.
Second, the amount reaches 50,000 yuan, and more than 50,000 yuan.
If the amount reaches 50,000 yuan, and more than 50,000 yuan, the special regulations of "small inheritance" are not suitable. In this case, the password is not known, or the ID card is cut off. If you want to withdraw money, you can only do it honestly.
Some netizens may ask, can you take out the money by notarizing?Then go for a notarization.
The person who said this is most likely because he has not encountered a setback.
Now the new regulations of the notary office, Zhang San passed away, and if the family wants to do notarization, all the first heirs must be present. Who is the first heir?
Zhang San's parents, Zhang San's spouse, Zhang San's children.
All those who are alive must be present, and those who are dead must issue death certificates. If there is really no way to go to the scene, a "certificate of renunciation of inheritance" must be made public.
You can imagine such a situation.
There was a dispute between the first heirs over the distribution of the estate. Then there was an heir, who was particularly dissatisfied, and deliberately did not appear to be on the scene. If others want to be notarized, they can only stare dryly.
In addition, there is also a fee for notarization at the notary office.
The amount within 10,000 yuan will be charged a flat rate of 200 yuan.
For the amount of more than 10,000 yuan, a handling fee of 2% of the inheritance will be charged.
If there is 100,000 yuan, the handling fee is 2,000 yuan. If there is 500,000, then the handling fee will cost 10,000 yuan.
The fee of the notary office is indeed very high.
I've always suggested that older people take control of their own money. Because, you can't be sure whether the children in the family are losers. Some children are very good at disguising, and once they get the money, they turn their faces and don't recognize people.
However, this also depends on the situation.
When you're healthy, keep your money firmly in your hands. If you're not feeling well, or you're already in a hospital bed, don't be so obsessed. When it's time to let go, it's time to let go.
If you don't tell your children anything, one day you will suddenly leave, and you still have money in the bank, and your children will not know it.
When a depositor dies, it is impossible for the bank to know, let alone notify the family.
If no one comes to the bank to withdraw money, then the money will remain in the bank. Although the money cannot be owned by the bank, the bank can use it for investment and does not need to pay interest, which is equivalent to contributing to the bank in vain.