The elderly must pay attention to the deposits, friends who work in the bank kindly remind us, fifty or sixty-year-old middle-aged and elderly deposits, we must keep in mind these five things, otherwise, if there is any problem, in this world, there is no regret medicine to take. It was this friend who worked at this bank who told us that in the past few years, many unexpected and negligent things have happened on the issue of the elderly's deposits, which has also caused trouble and impact on the lives of the elderly.
Let's go home and remind the elderly, when depositing, we must pay attention to these 5 points, I will share them with you now, I hope it can help you. The first point. Regularly monitoring the bank's dynamics and keeping abreast of the bank's latest developments and policy changes is important for us to be the first. It's not just about checking out the bank's announcements. You can also follow news and social media about the bank. This allows us to keep up to date if there have been significant changes in the bank. and take corresponding measures.
The second point. Choosing a reliable bank is important to understand the bank's creditworthiness and stability before depositing money. By consulting the relevant information. Read customer testimonials. Compare interest rates and understand how banks are doing. Choose a bank you can trust. of the bank. Be able to guarantee the safety and reliability of your deposits. The third point. Don't give away your bank account password. Many middle-aged and elderly people go to the bank to handle business, and they are not familiar with the process of handling business. They asked the bank staff to help them do it. Although this can save time and effort, it is easy to leak the password of your bank card. And once the account leaks the password of the bank card, it is obtained by criminals. Then the funds on the bank card can be stolen.
Fourth point. Do not apply for automatic rollover. Auto-dumping of business sounds convenient. That is, when the fixed deposit matures, it will be automatically deposited according to the original term and interest rate. It's a hassle to go up and handle it again, but it's not really cost-effective. Because the bank's interest rate is subject to change, I will continue to deposit 10 more interest rates**. Then the automatic rollover will miss out on higher interest income. If the deposit is renewed, the interest rate has fallen. Then the automatic rollover will be locked up, and the interest income will be lower. Therefore, after the maturity of the fixed deposit. It is best to go to the bank in person to handle the transfer business. And according to the market conditions at that time. Choose the right term and interest rate.
Fifth, pay attention to the deposit insurance system. To protect the legitimate rights and interests of customers. China implements a deposit insurance system. Deposit insurance system provisions. Agree on the principal amount and interest rate of the depositor's deposit in the same bank. The maximum compensation amount is RMB 500,000. When choosing a bank, look at whether the bank participates in the deposit insurance system. You make sure that the funds are safe. In general, it is easy to have accidents during the deposit process, so it is important to understand in advance to avoid unnecessary losses.