With the development of the financial market, many people have a lot of choices when managing their funds, such as someone will use a bank card to collect wages, and after the monthly salary arrives, it will be transferred to Yu'e Bao or **, etc., and almost rarely deal with passbooks. However, there are still many people who still use their passbooks to save money. So if you keep your money in the bank, is it better to use a passbook or a bank card? Insiders give the answer, look down!
Valuing the safety of your funds
Which deposit method is better depends on the needs of depositors.
For example, although they all deposit fixed deposits, they all hope to protect their principal, but some people are also willing to deposit them in some small and medium-sized banks in order to get more interest. However, some people are worried about the safety of small and medium-sized banks, and prefer to rely on state-owned banks to manage them. Therefore, even if they are all deposits, people's requirements for security are also subtle.
If a person does not want the safety of his funds to be compromised in any way, it is recommended to take care of his funds with the help of a passbook. In the face of wire fraud, if a person is fooled, the money stored in the bank card may be transferred by people thousands of miles away in a short period of time.
But if a person's money is in the passbook, even if he is fooled and wants to transfer the money to others, he still has to go to the bank to handle business. So in this process, if a person pays more attention to the Internet to search, he may find that this is a ** through the Internet. Even if he doesn't realize it, when he comes into contact with a bank worker, he may be found out and dissuaded.
There have also been cases where it was difficult to withdraw money from village and township banks, and some people reported that they could not log in to the system. But if a person's money is stored in a passbook, even if something similar happens, he has a certificate in black and white in his hand.
In addition, I have seen some information, after someone's bank card was lost, because the password was relatively simple, the person who was picked up tried it several times at the ATM, and actually tried out the password and took the money. However, if a person's money is stored in the passbook and wants to withdraw the money in the passbook, it is necessary to go to the counter of the branch to handle business, and if it is not the person, it is also necessary to provide documents, etc., which is more troublesome. From this point of view, the money in the passbook is also relatively safe.
Convenience is important
To deposit money in a passbook, deposits and withdrawals need to go through the bank, and you need to go to the bank to handle business during the bank's working hours. And if a person's money is stored in a bank card, in many cases it does not need to be affected by the bank's working hours. You can use mobile banking to carry out some current to fixed-term transactions, or regular to current transactions. If you want to exchange cash, you can also go directly to the 24-hour ATM to withdraw money.
Overall, it's more convenient to keep money in a bank card. If a person has a higher requirement for convenience, then it is more cost-effective to store it in a bank card.
For the elderly who are not used to smart phones
It needs to be pointed out that not everyone is so accustomed to smartphones and mobile payments, and at present, many elderly people are still using button machines and cannot operate smart phones smoothly. And some of them may not have a good memory, or they may not be able to operate the ATM machine very smoothly.
So for this kind of old people, it is still recommended to store the money in the passbook is more cost-effective. Although the elderly need to go through the bank when depositing and withdrawing money, it is relatively simple for the elderly to be guided by someone to help guide them throughout the process. And the passbook will show the details of each fund, which is also more friendly to some elderly people with poor memory.
Use a combination of the two
Of course, this is not to say that passbooks are the preserve of the elderly, in fact, for some young people, in addition to bank cards, they can also use passbooks to manage their funds. For example, some young people will deposit their money in fixed deposits, and the medium chooses a passbook, which is precisely to take advantage of the inconvenience to help themselves make forced savings. At the same time, in order to take into account the convenience, part of the funds will also be deposited in the bank card.
In fact, it is more convenient for people to make money by storing money in bank cards, whether it is to buy Yue Bao, bank change and financial management, etc., they all need to use bank cards, which can help people better increase their value. You can also use some of the general trend of foreign trade economic consignment, 100,000 yuan per month profit. If you want to buy**, or buy paper** for value-added, you can also use a bank card as a payment channel.
To sum up, there are pros and cons to passbooks and bank cards, some people are more suitable for using passbooks, while others are more suitable for using bank cards to manage funds. Of course, it is also possible to combine the two.