When a depositor passes away and the deposit is not yet due, the following steps can be taken, depending on the situation:
Situation 1: Know the password.
1.Log in to the depositor's account via mobile banking or other channels.
2.Transfer the deposit amount to your family's own account or withdraw cash through a bank ATM.
3.If you use a passbook, you can bring the depositor's ID card, deposit certificate and your own ID card to the bank counter. Be careful not to inform the teller that the depositor has passed away, lest you need to go through the notarization of inheritance.
4.If it exceeds 10,000 yuan, it may be necessary to apply for inheritance notarization.
Situation 2: I don't know the password, and the deposit is less than 10,000 yuan.
1.Prepare a death certificate, proof of kinship (e.g. household register, marriage certificate, birth certificate) and your own valid ID.
2.Go to the branch of the depositor's bank and apply to the bank for withdrawal.
3.Fill out and sign the pledge form at the bank, promising to enjoy the simplified withdrawal of small amounts, and provide the required documents.
4.After completing the formalities, the deposit can be withdrawn.
Situation 3: I don't know the password, and the deposit is more than 10,000 yuan.
1.Prepare a death certificate, the applicant's identity document and a certificate of inheritance from a notary public for the legal heirs.
2.Visit the bank's branch and submit a certificate of inheritance from a notary public, a death certificate and proof of the applicant's own identity.
3.According to the bank's requirements, the transfer or payment procedures are carried out in order to obtain the deposit.
It is important to note that there may be a fee for notarization of inheritance. If there is a dispute between the heirs, it may need to be resolved through court proceedings. The extraction operation can only be carried out after the mediation document or judgment is obtained.
Summary: Depending on the situation, the withdrawal of the unexpired fixed deposit in the name of the deceased depositor can be carried out by knowing the password, applying for inheritance notarization, or enjoying the simplified withdrawal of small amounts. During the process, follow the bank's requirements, submit the required supporting documents, and ensure that the identity of the person handling the application is legal and valid. Deposits