February** Dynamic Incentive Program
Many elderly people in China have the habit of saving money, they save money every month, and save some of the money in the bank, worrying that if they get sick or need money, they can take it out for emergencies.
They also hope to accumulate more wealth for their children, so that they can enjoy a better quality of life in the future.
However, in real life, there is no shortage of cases where some old people and even young people die suddenly. They had money in the bank, but because of their sudden death, they didn't tell their loved ones about it. The relatives got the passbook of the deceased, but did not know the password of the passbook, and made difficulties in withdrawing money.
There are also deceased people who did not tell all the money in their hands to their relatives, once the deceased leaves suddenly, how can the relatives around the deceased know about the existence of this money? Will the bank tell the family of the deceased about the deceased's deposit in the bank?
According to the laws of our country, the immediate family members of the deceased have the right to inherit the property of the deceased, including the parents, children, spouse and other persons of the deceased, who are the first in line of succession and enjoy the right of priority to inherit the property. If none of the people in this range are alive or choose to renounce the right of inheritance, the second in line of succession can inherit the deceased's property.
This group of people includes the collateral relatives of the deceased, such as grandparents, maternal grandparents, aunts, etc. This is the law of our country on legal inheritance, if the deceased left a will, it is easy to do, according to the content of the will, the distribution of property is enough. After all, the will of the deceased is the most in line with his heart's wishes, and the deceased has the right to make a reasonable distribution of his property during his lifetime.
However, in real life, many heirs have difficulties when inheriting this part of the deceased's property. The deceased left a passbook, but the heirs did not know the password of the passbook, and even some heirs accidentally lost the passbook and bank card, so the money will be stored in the bank and can no longer be withdrawn?
In this case, the bank has made a new regulation, if the deceased's money in the bank does not exceed 10,000 yuan, the deceased's heirs can go to the bank to handle the small deposit withdrawal business.
When handling business, you only need to provide the relevant inheritance certificate to the bank, and you can withdraw the part of the money retained by the deceased in the bank.
So, if a depositor dies suddenly, and the relatives do not know about the existence of the deposit, will the bank take the initiative to tell the depositor's family about the deposit?
The answer given by the bank staff was no. Many people may think that the bank did not immediately notify the depositor's family members of the depositor's deposit after the depositor's death, and whether it wanted to embezzle this part of the deposit.
In fact, banks chose not to immediately notify depositors of their deposits to their dependents for their own reasons.
First of all, the banks were not able to know whether the depositors had actually died. Whether the depositor died or not needs to be judged based on the death certificate issued by the hospital, and the depositor's relatives did not voluntarily report this information to the bank, and the bank has no way of knowing.
Furthermore, the depositor did not leave the *** and personal information of his relatives in the bank's deposit information form when he deposited money in the bank.
Even if banks learn of a depositor's death, they don't know how to notify the depositor's family.
Bank staff have a heavy workload, and they do not have the extra time and energy to keep track of depositors' personal information in real time.
Therefore, in terms of legal obligations and work requirements, banks do not need to bear the responsibility of actively informing the depositor's family members of the depositor's deposit information after the depositor's death.
However, the bank's reply has made many depositors' families difficult. The deceased died suddenly without giving their deposit information in the bank before his death.
So, what do they do to get the details of depositors' deposits? Know which bank they have deposited money in?
The family of the deceased may apply to the court for access to the deceased's deposit records at the same time when they file a lawsuit with the court for the division of property.
On the one hand, the family of the deceased can grasp and understand the deceased's savings in detail, and the family of the deceased can distribute more wealth to the deceased in the later division of property.
The family members of the deceased can also obtain the deceased's deposit information by applying to a notary office.
They only need to bring the documents proving their personal identity, the proof of their relationship with the deceased, and they can go to the notary office to go through the notarization procedures of the estate.
After obtaining the notarization of the estate issued by the notary public, the family of the deceased can access the deceased's deposit information. The family members of the deceased can also take the initiative to go to the bank to apply for various deposit information of the deceased.
The family members of the deceased can go to the bank's work desk to check the depositor's deposit status with the depositor's death certificate, proof of kinship with the depositor, and personal identity documents.
Deposits of less than 10,000 yuan can be withdrawn in small amounts at the bank, and the money can be withdrawn and the account closure procedures can be completed.
If the deposit is more than 10,000 yuan, the family members of the depositor can choose to go to the court to file a lawsuit to clearly divide the property, or go to the notary office to notarize the distribution of the property.
After obtaining the legally valid property distribution documents, the family members of the deceased can go to the bank to get the money and property deposited by the deceased in the bank.
Many of us are accustomed to using new mobile payment methods such as WeChat and Alipay, and the entire transaction can be completed by showing the payment code at the time of payment.
At the same time, WeChat and Alipay have launched a variety of deposit and wealth management products to encourage people to store their excess money in a way that provides high yields.
But if people die suddenly, his relatives don't know the deceased's mobile phone password and WeChat and Alipay payment passwords.
So, how can you get the money out of the deceased's WeChat and Alipay?
Relatives of the deceased can call the official customer service platforms of WeChat and Alipay to ask professional staff how to withdraw the money deposited on the deceased.
First of all, WeChat and Alipay need to carry out real-name authentication at the beginning of use.
Therefore, the family members of the deceased can upload personal identity documents, death certificates of the deceased, documents proving the relationship between the applicant and the deceased, and letters of commitment and other relevant information to the official service platform.
After being verified by the staff of the official platform, the money stored in it can be withdrawn.
Wealth management products such as **, Yue Bao, and the property on the insurance can also be redeemed in the same way after providing supporting documents to the official platform.
In real life, many elderly people have been careful all their lives, hoping to create more wealth for their children, and their children can live a better life after the death of the elderly.
However, the sudden departure of the old man made the old man's saved property not know how to distribute it. In order to be able to distribute more wealth, the children of many elderly people do not hesitate to forge wills and quarrel with those closest to them.
Presumably, this is a picture that many old people don't want to see.
Therefore, in order to prevent relatives from fighting for the property left by the old man, they are in trouble. It is best for the elderly to plan ahead and leave a will as early as possible, so that in case of emergencies, the property in their hands can be reasonably distributed to several children.
At present, China's laws stipulate several ways such as written wills, notarized wills, printed wills, audio and video wills, and oral wills.
When making a will, it is best for the elderly to consult a professional lawyer and understand the provisions of the law, so as to avoid the will being invalid.
For example, when the elderly write their own will, they need to indicate the time and their signature on each page of the will to fully confirm the authenticity and validity of the will.
When entrusting another person to write a will, it is necessary to have more than two witnesses present, and it is best to indicate the time, the testator and the witnesses on each page of the will.
There are still many details that need to be paid attention to when making a will, and it is important for every citizen of our country to know more about the laws of our country.
At the same time, it is best for the elderly to record the passwords of the passbooks and bank cards in a book that can be kept well.
If the old man unfortunately dies suddenly, the relatives around him can take out the money retained by the old man according to the password information left by the old man in the book, so that they will no longer have to go through these cumbersome procedures.
The sudden death of many elderly people in real life also reminds us young people to cherish and be filial to our parents.
Our parents have worked hard for us all our lives, and when we grow up, many young people always neglect to care for their parents under the pretext that they are busy with work and tired. As the saying goes, the child wants to raise but the parent is not there, don't wait until the parents leave us to realize that the parents are by their side, and what a happy thing it is to have the care and care of the parents.
Therefore, when our parents are around us, we should set aside more time to care for and love these people who gave birth to us! Simple words of concern will make these loved ones who truly love us feel warm.
After the death of a person, the bank will not take the initiative to notify the depositor's relatives of the depositor's deposit information. On the one hand, the bank cannot know the information of the depositor's death in the first place, nor can it know the authenticity of whether the depositor died.
On the other hand, the bank does not know the personal information of the depositor's relatives and cannot contact the depositor's family in the first place.
Therefore, if you have a loved one who dies suddenly, and you want to know the deposit information of your loved one in the bank, you can go to the court, the notary office, and the bank to apply for the depositor's personal deposit information.
According to the relevant requirements, the relevant supporting documents can be provided to go through this procedure. What do you think about the bank's approach?