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If the Agricultural Bank of China deposit certificate is lost, can I get a replacement immediately and get the money?

If you lose your Agricultural Bank of China deposit certificate, you can immediately get a replacement and get the money. Users are free to make deposits and withdrawals. If you need to withdraw money in advance to calculate current interest, you can go to the bank and bring your ID card and time deposit certificate to withdraw money. If the deposit certificate is lost, you need to bring the relevant ID card and other documents to the bank window to make the withdrawal. Handling of business. After the business is completed, you can deposit and withdraw money immediately, but the deposits made in the past few days are not the interest on the certificate of deposit, but the current interest.

1. How to deal with losses in Agricultural Bank of China’s time deposit certificates.

1. If the customer loses the deposit receipt (deposit receipt or passbook), he must submit his valid ID card and provide his name, account number, etc. And apply for a written loss report to the original account opening business institution. Deposit certificates (deposit certificates, discounts) can be declared in writing by universal deposit and withdrawal business institutions in the same city. Written loss reports are valid for a long time.

2. Under special circumstances, if the customer is unable to report the loss of deposit certificates (deposit certificates, discounts) in writing, he or she can apply to report the loss verbally. Verbal loss reports can be handled at any business institution under the jurisdiction of the first-level branch. Customers must complete the written loss report procedures within five days, otherwise the loss report will no longer be valid.

3. After reporting the loss in writing, if you want to apply for a new deposit certificate or cancel the account after the loss is reported, the customer must report the loss to the original business institution with a valid ID and loss report application form, and no agent is allowed.

2. The difference between passbooks and bank cards

1. Different business processing methods. Passbooks can only be used at bank counters, subject to bank business hours restrictions, while bank cards can be used to handle business through various channels such as online banking and over the counter, which is more convenient.

2. Different functions. The main function of the passbook is withdrawals and deposits, while the bank card can also be used for credit card consumption and other expenses.

3. Cost difference. Passbooks are free, but bank cards charge production fees and annual fees, and withdrawals across banks and regions also charge a certain handling fee.

To sum up, if you lose your passbook or bank card, don’t panic. Just reissue it and report the loss in time. As long as the loss is reported in time, there will usually be no impact on the user. At the same time, the passbook password should be kept well and should not be disclosed to others at will.