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Bank of China fixed deposit is a deposit method, which can deposit a certain amount of money in the bank, and withdraw the principal and interest after maturity according to the agreed term and interest rate.
The main operation steps of Bank of China fixed deposit are as follows:
Before operating the fixed deposit of Bank of China, you must first choose the appropriate deposit amount and term, and choose the appropriate deposit amount and term according to your own capital needs and income expectations, generally speaking, the higher the deposit amount, the longer the term, and the higher the interest rate.
Generally speaking, the deposit amount of Bank of China fixed deposit can start from 100 yuan, the deposit term can range from 1 month to 5 years, and the interest rate can be from 21% to 475%, the specific deposit amount, term and interest rate can refer to the official ** of Bank of China or consult the bank staff.
When choosing the deposit amount and term, you should choose the appropriate deposit amount and term according to your own capital needs and income expectations, so as to avoid idle or tight funds, and at the same time pay attention to the safety and liquidity of the deposit, so as to avoid being unable to withdraw money in case of unexpected circumstances.
After choosing the deposit amount and term, it is necessary to prepare the relevant documents and materials in order to operate the Bank of China fixed deposit.
Generally speaking, the following documents and information are required to operate Bank of China fixed deposits:
ID card: to prove the identity information of the depositor, the original and a copy are required;
Bank card: used to deposit or withdraw deposits, a valid bank card and password are required;
Passbook: used to record the deposit information, a valid passbook and password are required;
Other information: Depending on the deposit method and the bank's requirements, you may also need to provide additional information, such as mobile phone number, email address, etc.
If you are operating online or mobile banking, you also need to register and log in to your account, and you need to provide a valid username and password, as well as a bound mobile phone number or email address.
After preparing the relevant documents and materials, you can go to the bank branch or use online or mobile banking, fill in or select the relevant information, such as the deposit amount, term, interest rate, maturity processing method, etc., and submit the deposit application after confirming that it is correct, and wait for the bank's processing and confirmation.
Generally speaking, there are several ways to operate a bank branch:
Counter Operations:Go to the counter of the bank branch, show the relevant documents and materials to the bank staff, fill in the deposit application form, select the deposit amount, term, interest rate, maturity processing method, etc., and after confirmation, hand it to the bank staff and wait for the bank's processing and confirmation;
Self-service machine operation:Go to the self-service machine of the bank branch, insert the bank card or passbook, enter the password, select the deposit function, enter or select the deposit amount, term, interest rate, maturity processing method, etc., and submit the deposit application after confirming that it is correct, and wait for the bank's processing and confirmation;
Online or mobile banking operations:Using a computer or mobile phone, log in to online or mobile banking, select the deposit function, enter or select the deposit amount, term, interest rate, maturity processing method, etc., and submit the deposit application after confirming that it is correct, and wait for the bank's processing and confirmation.
After submitting the deposit application, you can collect or view the deposit certificate, such as deposit certificate, passbook, electronic receipt, etc., and save the relevant information, such as the deposit date, amount, term, interest rate, maturity date, etc., so that you can withdraw or renew the deposit after maturity. Generally speaking, there are several ways to receive or view a deposit certificate:
Counter collection: If you are operating at the counter of a bank branch, you can collect the deposit receipt or passbook from the bank staff, or print the electronic receipt and save the relevant information;
Self-service machine printing: If you are operating at a self-service machine in a bank branch, you can print a deposit receipt or passbook on the self-service machine, or print an electronic receipt to save the relevant information;
Online or mobile banking viewing: If it is an online or mobile banking operation, you can view the electronic receipt on online or mobile banking, save the relevant information, or send it to your own email or mobile phone.
After receiving or viewing the deposit certificate, it is necessary to save the relevant information, such as the deposit date, amount, term, interest rate, maturity date, etc., so that you can withdraw or renew the deposit after maturity.
In general, there are several ways to withdraw or renew money after maturity:
Withdrawal or renewal of funds over the counter: After expiration, you can go to the counter of the bank branch, show the relevant documents and materials to the bank staff, such as ID card, bank card, passbook, deposit receipt, etc., choose to withdraw or renew, fill in the relevant forms, confirm that it is correct, and hand it over to the bank staff to wait for the bank's processing and confirmation;
Self-service machine withdrawal or renewal: After expiration, you can go to the self-service machine of the bank branch, insert the bank card or passbook, enter the password, select the withdrawal or renewal function, enter or select the relevant information, such as the withdrawal amount, renewal period, renewal interest rate, etc., and submit the withdrawal or renewal application after confirming that it is correct, and wait for the bank's processing and confirmation;
Online or mobile banking withdrawal or renewal: After expiration, you can use your computer or mobile phone, log in to online or mobile banking, select the withdrawal or renewal function, enter or select relevant information, such as withdrawal amount, renewal period, renewal interest rate, etc., and submit a withdrawal or renewal application after confirming that it is correct, and wait for the bank's processing and confirmation.