When you deposit money in the bank, you can choose fixed deposit or current deposit. Generally, the deposit interest rate of current account is lower than that of fixed account, but the current account is more flexible and can be withdrawn at any time. Time deposits can also be withdrawn in advance, but the interest will be calculated according to the current demand, so it is not cost-effective to withdraw in advance. However, time deposits can be partially withdrawn, and the remaining amount is calculated regularly. Inter-bank deposit and withdrawal handling fee refers to part of the fees charged for deposit and withdrawal in non-deposit banks as handling fee. Generally used for ATM withdrawal. If ICBC charges 0.5% of the deposit and withdrawal amount, the minimum 2 yuan is 100 yuan per deposit and withdrawal. brief introduction
For example, if you have a peony card in Shenzhen Industrial and Commercial Bank, your deposit in Zhengzhou Industrial and Commercial Bank is a deposit in a different place; If you apply for a card in Shenzhen Industrial and Commercial Bank and deposit it in Zhengzhou Construction Bank, it is called off-site deposit. If the card is issued in Shenzhen Industrial and Commercial Bank, the deposit in Shenzhen Industrial and Commercial Bank is a local bank deposit, not a remote deposit. Off-site deposit means that depositors deposit funds in a bank account opened by themselves or others in a different place according to the prescribed conditions in one place (usually across provinces, cities and counties), and generally charge a certain off-site deposit fee. From June 20 17 to June 20 17, the state cancelled all bank deposit and withdrawal fees in different places.
Bank of China: Cardholders withdraw money from ATMs of other banks in the same city, 4 yuan/transaction; ATM withdrawals from other banks in different places in the province, 9 yuan/pen; Withdraw money from ATMs of other banks outside the province, 12 yuan/pen; Overseas ATM withdrawals, 15 yuan/transaction. It is reported that the original charging standards of BOC are: inter-bank 2 yuan/pen in the same city and inter-bank 7 yuan/pen in the province.
China Construction Bank: 0.5% of the withdrawal amount, plus 2 yuan/transaction, and 1% plus 2 yuan/transaction for banks in other places (inside or outside the province).
Agricultural Bank of China: 4 yuan/transaction is accepted by banks in the same city and province, and 1% plus 2 yuan/transaction is accepted by banks outside the province.
ICBC: Inter-bank 4 yuan/transaction in the same city, off-site (within/outside the province) 1% plus 2 yuan/transaction.
China Merchants Bank: Banks in the same city and province accept 2 yuan/transaction, while banks outside the province accept 0.5% plus 2 yuan/transaction.
Bank of Communications: inter-bank 2 yuan/transaction in the same city, 0.8% plus 2 yuan/transaction in different places (inside/outside the province), with the lowest 10 yuan/transaction and the highest 100 yuan/transaction.
People's livelihood: the first three transactions are free in the same city, followed by 2 yuan/pen, and 5 yuan/pen in other places (inside/outside the province).
Huaxia: The first five transactions in the same city/off-site are free of charge every month, and 2 yuan/transaction will be withdrawn every time after five transactions.
CITIC: Inter-bank in the same city and inter-bank in the province are free for the first two transactions each month, and the third transaction starts from 2 yuan, with 0.5% for inter-bank outside the province, and the maximum is 200 yuan.
Shanghai Pudong Development Bank: 0.5% of the withdrawal amount is charged for inter-bank transactions in 2 yuan, inter-bank transactions in the province and inter-bank transactions outside the province, with the lowest 18 yuan/transaction outside 5 yuan and Hongkong.
Shenzhen Development Bank: for inter-bank in the same city and inter-bank in different places (within or outside the province), each transaction is 1%, and the minimum transaction is 10 yuan.
Xingye: The first three inter-bank transactions in the same city/different places (inside/outside the province) are free, and the fourth transaction is charged according to 2 yuan/transaction.
Nanjing Commercial Bank: Inter-bank in the same city and inter-bank in different places are free.
Huarong Xiangjiang Bank: zero handling fee for inter-bank and off-site withdrawals in the same city.