The bank's financial products are indeed rich and diverse, including regular financial management, trust, insurance, foreign exchange, etc. However, the most common thing that most people are exposed to is probably fixed deposits. So, do you really know about fixed deposits?There are three main forms of fixed deposits: certificates of deposit, passbooks and card fixed deposits.
The first form is a certificate of deposit. When you make a fixed deposit, the bank will give you a certificate of deposit. The certificate of deposit will detail the amount of your deposit, the date of the deposit, the maturity date, the interest rate on the deposit, the interest before maturity, and whether or not you have deposited and exchanged. However, one disadvantage of a certificate of deposit is that it may not be easy to save if you have more fixed deposits and more listings.
The second form is a passbook. All fixed deposits can be deposited on this fold. Each deposit can choose a different amount, a different deposit interest rate, a different deposit term, and a different deposit time. All this information can be clearly displayed on the passbook and is very easy to save. However, the information on the passbook is not as detailed as the certificate of deposit.
The third form is to keep it on a bank card on a regular basis. This is the way that many young people will choose because it is very convenient. You can convert the balance in your card to a fixed interest rate for mobile banking, the so-called active fixation. If you need money, you can also do it directly on mobile banking to make a fixed transfer.
However, the problem is that this money is invisible on the card and can be easily forgotten. To solve this problem, you can go to the bank counter and they will give you a list that can show your card stored regularly for you to check later.
Summary: When choosing how to save regularly, consider your needs and Xi.
If you prefer clear paper credentials and need to store multiple periods, then a regular passbook may be the best option.
If you prefer a simple and straightforward certificate of deposit or don't need to withdraw money often, a CD may be a better fit for you.
If you like convenient **and** operation, and have a good network environment and mobile banking Xi, storing bank cards regularly may be the best choice.
Generally speaking, no matter which deposit method you choose, the most important thing is to make the most suitable choice according to your needs and Xi. The next time you go to the bank to handle business, you can refer to this information to avoid fixed deposits becoming insurance, ** and trust.