1. When depositing a one-time deposit or withdrawing a time deposit, the person in charge of the counter must be prompted to set up automatic transfer, otherwise the deposit cannot be withdrawn after maturity. The overdue part is calculated according to the current interest rate on the withdrawal date and the interest rate on the fixed deposit slip.

Two. One-time deposit and withdrawal refers to:

1. A personal deposit method. When opening an account, the deposit period is agreed, with one deposit and one withdrawal of principal and interest. The minimum foreign exchange deposit amount is RMB 100 yuan.

2. Personal identification documents must be provided for withdrawal or early withdrawal, generally limited to one time); The agent shall provide the depositor's ID card and my ID card. By 20 13, all or part of the deposit can be directly withdrawn through online banking. The remaining interest is still calculated according to the original term, and the recovered interest is calculated according to the current period.

3. The interest shall be calculated according to the interest rate agreed at the time of deposit and settled with the principal. The principal and interest of one-time deposits and withdrawal deposits can be automatically transferred on the maturity date, or they can be transferred on the maturity date according to the wishes of customers.

Third, automatic transfer is:

1. A way of bank capital turnover.

2. After the customer's deposit expires, if the customer does not go to the bank to handle the deposit transfer formalities, the bank can automatically transfer the due principal and interest according to the same deposit term, regardless of the number of times, and the interest during the renewal period is calculated according to the interest rate of the previous maturity date.

4. One-time deposit and withdrawal of commercial banks will be automatically transferred according to the original deposit period. There are two transfer methods (you can choose when you deposit a time deposit for the first time).

1. Transfer of principal and interest after maturity: refers to transfer of principal and interest to the same deposit period after one-time deposit expires;

2. Transfer principal and interest to current account: after maturity, interest will be transferred to current account and only principal will be transferred.

Reminder: AutoSend cannot be turned off. If you don't want to renew your deposit, you can transfer it to a current account after the due transfer. This will not affect the interest that has expired.

Verb (abbreviation for verb) Classification of Bank of China:

1. The People's Bank of China is the central bank of China. Actually, it is an administrative organ. Basically, it can be considered that it does not handle banking business for individuals and enterprises.

2. Policy banks. Include Agricultural Development Bank, Export-Import Bank and China Development Bank, which only engage in policy banking.

3. Commercial banks. Specifically, it is divided into state-owned commercial banks (workers, peasants and construction companies), state-owned joint-stock banks (including 156, such as communications, CITIC, China Everbright, China Merchants, Xingye and Minsheng, and the latest ones are Zheshang and Hengfeng), city commercial banks (such as Shanghai Bank and XX City Commercial Bank), rural commercial banks and rural cooperative banks.

Credit cooperatives, including urban credit cooperatives and rural credit cooperatives.

5 postal savings (savings business only).

6. Non-bank financial institutions, such as financial asset management companies, trust and investment companies, finance companies and financial leasing companies.