As the lobby manager of a state-owned bank, I can tell you clearly that if you want to withdraw 5 million yuan from the bank at one time, it is estimated that the mentality of the person in charge of that bank outlet will explode. She will try her best to keep you here.

the biggest customer of our branch is an aunt of a relocated household. There are more than 13 million yuan for the demolition of her family, all of which are deposited in our bank outlets. Moreover, this 13 million yuan is still saved regularly for one year.

many people may think that this aunt is stupid. What's wrong with having more than 1 million yuan? Why do you have to deposit it in the bank? It's in the bank, so many high-yield activities don't exist. Do you have to deposit it for a fixed period of one year?

These are the thoughts of the bystanders. In fact, from the aunt's point of view, her choice is still very wise.

Auntie has ten million yuan in the bank, and she is really rich. But she didn't earn this money bit by bit. This money is the demolition money. In essence, she doesn't have the investment ability that the rich should have, and she is just an ordinary person.

auntie knows nothing about investment and business. So the best way for her is to deposit the money in the bank. The safety of money is her first priority.

I can tell you in detail what special treatment this aunt has enjoyed by saving so much money in our branch.

many people say that if you have more money, you can talk about interest rates. This can really be discussed. But 13 million, for a big bank, is not big enough for a superior leader to meet. But for some small banks that are short of money, it is really a treasure of the town. Talking about interest rates, no problem at all.

Although Auntie has a fixed deposit for one year, the interest rate in the passbook is still the same as that of ordinary people. However, if you deposit so much money in the bank, besides the normal regular interest rate, there will definitely be additional feedback.

Our sub-branch will give back points to customers for regular deposits for one year. The points are:

deposits of more than 5, yuan and 1, points. For deposits of more than 1 million, 1 thousand is 4 points. But this aunt has saved more than 13 million yuan for a regular year, and the reward points for her are 11, points.

what is this integral for? This point is a joint activity between our bank and the major supermarkets in our city. One point is equivalent to a one-yuan supermarket shopping card. If 13 million yuan is fixed for one year, there will be 13, points, which is equivalent to 13, points shopping cards.

this 13, points can buy a lot of things. From daily consumption, clothing and cosmetics, household appliances in supermarkets, and computer and mobile phones, it can be said that it includes most of the goods that can be met in life.

And this point can be cashed out. For example, if you have 1, points, you can sell your points to some middlemen at the gate of big shopping malls. As for whether to discount at 2% or 15%, it's up to you to talk about it.

in addition to points, there are also gifts. There are also many kinds of gifts in the branch, which are basically for the aunt to pick at will. You can take what you like directly, and we deliver what you can't move.

This aunt is directly contacted by our branch manager. Generally, she directly contacts our branch manager for anything. Moreover, the requirement of the branch manager is that everyone must know this aunt.

if auntie comes to do a business one day, no matter what business she is doing, she must introduce the VIP room as soon as possible, then make a cup of tea and do it in the VIP room.

not to mention the holidays. Dragon Boat Festival, dumplings and salted eggs are ready. Mid-Autumn Festival, moon cakes and red wine are ready. Aunt likes to eat hairy crabs, and every year when the season comes, she also sends many hairy crab gift rolls.

once this aunt called our branch manager and said that she had to catch a plane at noon. Then when the head of our branch took a break at noon, he drove his aunt directly to the airport.

is this treatment exaggerated? It's not an exaggeration. Many banks are staring at such a big customer. As long as you are not careful and don't serve well, you will be poached by other banks immediately.

in a branch like ours, the people who deposit money are basically individuals. The total assets of banks are not large, only a few hundred million. If this loses a customer with tens of millions of deposits, it is estimated that the president's mentality will explode.

If you want to withdraw the 5 million deposit, the person in charge of the bank is estimated to be in a panic and can't sleep for several days. The person in charge of the bank will definitely see you as soon as possible, and then ask in detail the specific reasons for taking the money away.

If it's because I think other banks have higher interest rates on deposit activities. In order to keep you, that bank will definitely try to raise the bargaining chip.

if you really want to spend money, buy a house, or invest in a company, there's nothing you can do. Banks also know that they can't stay. Although they don't give up, they won't be forced.

if you withdraw 5 million yuan from the bank, it is probably a transfer, so it is impossible to withdraw cash. I can tell you with certainty that few normal individuals will take such a large amount of cash.

Many people have no concept of cash, so we can popularize it for you. What is the concept of 5 million cash?

one RMB of 1 yuan weighs 1.15g .. 5 million, that is, 5, pieces of 1 RMB, that is, it weighs

575Kg

575Kg and 115 kg. Without more than a dozen people, it is impossible to carry it. If you want to take so much cash, you must use a van to pull it.

let's assume that there is a person who wants to withdraw 5 million cash. What will the bank do?

5 million yuan, such a large amount, the branch must report to the provincial branch as soon as possible. After the provincial branch received the news, the bank's anti-money laundering system immediately began to track you.

The bank will start an investigation. What are you doing with such a large amount of cash? Is there any criminal activity involving money laundering? Are you suspected of tax evasion?

some people think that the money is mine, so I can take it and do whatever I want. If this idea, it would be all wet. The money is yours, but you can take it if you want, and you can do whatever you want. All your money must be under the supervision of the state to ensure that you will not do anything illegal with your money.

this audit process will certainly not be short. And even if the audit is passed, you still need to transfer money from the vault to prepare so much cash.

this process will take at least three to five working days, and it usually takes about a week. If everything is ready, the bank will call the customer who withdraws the money and make an appointment to withdraw the money.

when withdrawing money, where can I withdraw it? To the branch where you save money? Definitely not. I want to go to a city branch or a provincial branch.

for such a large amount of cash, the first thing is to face a security problem. Generally, an armored car can only transport millions of cash, and it will transport 5 million. It is estimated that large special vehicles will be mobilized for transportation.

The place where Jenny withdraws money is definitely not in a small branch, but at least in a city branch or a provincial branch.

someone said, I took the money, counted it, and put it in the same day. I mean, are you kidding yourself?

I've worked in a bank for so many years, and I haven't seen any rich people. I took a large amount of cash, counted it on the spot, and then deposited it.

will this matter be over after the money is taken away? Definitely not. The bank's anti-money laundering system will keep track of your account and closely monitor your bank account's every move.

many people will say that banks serve the rich. This is actually true, just like you do business, you also give priority to customers who can bring you benefits.

Opening a bank is similar to doing business. The more money you save, the more benefits the bank will get, and you will naturally enjoy better treatment.

For any branch, 5 million is a huge amount, and you are treated as a god.

if you want to withdraw the 5 million, the bank will try its best to keep you. Because the bank can't bear to part with a big customer like you, and it can't afford to lose.

if you withdraw 5 million yuan at a time from the bank, the bank will certainly treat you as a VIP. Because if you want to withdraw 5 million yuan, you must first deposit 5 million yuan in the bank, and the person who has 5 million yuan in the bank must be a VIP of the bank. When you say "withdrawal", you should take cash instead of transferring money. For security reasons, the bank will not arrange you to handle it with ordinary customers, but will invite you to the VIP room to handle it for you.

Although you can enjoy VIP treatment, it is not recommended that you withdraw 5 million cash at one time.

At present, the settlement channels of banks are very smooth, and even inter-bank transfers and off-site transfers are all received in real time, which is very convenient and fast, and there is absolutely no need to use cash for economic exchanges. Pay employees can also be paid by the bank, and you can get the employee's salary card in minutes.

it's very troublesome for you to withdraw so much cash yourself. First of all, banks generally don't have that much cash. You must make an appointment two or three days in advance. Secondly, a big sack can hold 4 million yuan in cash in 1 yuan denomination, and 5 million yuan needs at least 13 big sacks, which have to be transported by a small truck; Third, if you count and bundle so much cash with two people, it is estimated that you can't count it all in one day.

there are two things I know about the large amount of cash used now. One is to pay wages to migrant workers and code a lot of cash for migrant workers to queue up; Another kind is that someone does charity, builds a cash wall and gives it to the donated people. These are all for publicity.

there is only one possibility for the bank to take 5 million yuan at a time, and the hospitality is sincere, and it will be delivered at a high distance. However, it is not easy to take 5 million yuan at a time if you try your best to retain it, whether by setting a threshold or taking the human route. Of course, if you are firm, you can definitely take it out in the end, which is beyond doubt.

1. To withdraw 5 million yuan at one time, you need to make an appointment with a bank outlet three days or more in advance, and the outlet will report the position to the accounting operation department to allocate cash. The 5 million yuan fund has not been reserved in advance, and even if the bank agrees, there is not so much reserve fund for you that day.

finally, the bank deposits and withdrawals are going on every day, and large-sum withdrawals and transfers also occur every day. It is true that there will be some "obstacles" in withdrawing large amounts of funds, but banks will not violate the principle of freedom of withdrawal, and they will still withdraw.

lobby manager: hello, Mr. Qing, what can I do for you this time?

me: I'll get 5 million cash ready in two days, and I'll get it.

lobby manager: big brother, what did we do badly? Can't you change it?

me: I'm going to give bonuses to employees, which has nothing to do with you.

lobby manager: Mr. Qing, I have to apply to the head office for cash transfer, and we will deliver it to your company in three days. Sir and I will go through the formalities first.

do many people have this picture in their minds about withdrawing 5 million yuan in cash at one time? In fact, I haven't withdrawn a lot of money at one time, but I know that when the amount reaches more than 5, yuan, I need to say hello at a certain time in advance. For cash like this, I need to withdraw cash inventory from the head office. It is not easy to determine the time, but the other party will deliver it safely to your designated location, and there will be professional personnel to contact your company. Count all the cash in person and will continue to serve you.

Especially near the end of the year, major banks pay more attention to cash flow, and many local enterprises like to give employees year-end bonuses in cash and will say hello in advance. The other party is very polite and cooperates with all your normal requirements, because these are high-value potential users, and no bank will easily offend these companies or individuals who have cooperated before.

withdrawing 5 million yuan in cash at one time has never been done in real life, but I have heard of it. The operation process is as follows:

First, make an appointment with the savings bank at least three working days in advance. Because of the cash of 5 million yuan, even county-level branches will not have so much reserves, and they need to report to provincial branches and even the head office for allocation.

second: go through the withdrawal procedures at the designated outlets of the bank with the deposit certificate. If a depositor wants to withdraw 5 million yuan in cash, he must naturally have a deposit certificate equal to or more than 5 million yuan, which is the most basic withdrawal procedure.

third: the risk control department of the bank will conduct necessary investigation and verification on the current behavior of customers, so as to avoid losses to the parties involved in illegal and criminal acts. For the huge cash withdrawal business, the bank's risk control department will conduct corresponding investigation and verification, not infringing on the autonomy of depositors. If criminal offences are found, they will be reported to the public security department for investigation. This is also a concrete manifestation of being responsible for large depositors.

fourthly, the bank will provide escort service for the huge cash business of 5 million yuan, but the drawee should also have a corresponding plan to transport the huge cash safely.

As a financial worker and a former bank employee, I told the subject that withdrawing 5 million yuan from the bank at one time may encounter some difficulties, or soft resistance.

Even so, the bank won't stop there, but it still needs to build a good relationship with you, expecting you to deposit your deposit in the bank next time, or promise you more favorable treatment than before, such as deposit interest rate and other benefits.

if you withdraw 5 million yuan from the bank at one time, the president of the bank will be so scared that he will sweat profusely, and he will keep you as a customer at all costs, and there will be hospitality you can't imagine.

at this time, not only will your interest rate be raised, but the bank will be 1% satisfied with you as long as your conditions are not excessive.

Now, a person who can deposit 5 million yuan in cash must have more than 1 million yuan in assets, and less than 1% of our domestic people can deposit 5 million yuan.

5 million yuan is deposited in the bank alone, and the annual interest rate exceeds 99% of the people in the country.

let's work out how much interest we can earn each year.

calculation method: 5 (ten thousand) *6% (interest rate) 3 (ten thousand).

Average monthly income: 25, yuan. This kind of income is definitely the top in our country.

and the profit that this 5 million yuan will bring to the bank is much higher than the interest it will give you.

as a banker.