Regarding the deduction of fixed investment, the regulations of each bank are different:

(BoCom) When you have no money in your monthly account, the application for regular fixed investment in the current period fails, even if If there is sufficient balance in the account after the deduction, no additional deduction will be made in the current period. If the application fails for three consecutive periods, the regular fixed quota subscription application will be automatically terminated.

(ICBC) The deduction time for fund fixed investment is as follows:

(1) When will the fund deduction be deducted if the fund fixed investment is signed during the fund trading hours?

If the agreement takes effect on the same day and the balance is sufficient, the payment will be deducted at that time (if the balance is insufficient, the deduction will be delayed).

(2) When will the funds be deducted if a fund investment is signed between 15:01 and 24:00 during non-fund trading hours?

If the agreement takes effect on that day, deductions and subscriptions will be made on the next fund trading day.

(3) If a fixed investment time is set and that day is not the day of signing, when will the payment be deducted?

Deductions and subscriptions will be made on the fund trading day next to the effective date of the agreement.

You can choose the deduction time when the fund fixed investment takes effect for the first time, and the payment will be automatically deducted on the first working day of every month starting from the month after it takes effect.

Fixed investment requires a sufficient balance in the account. Agency banks have different regulations on fixed investments, and the deduction dates are different. Beware of failure or termination of fixed investments due to insufficient funds.

For example, Bank of Communications and China Construction Bank, on the agreed date or the transfer date that is postponed due to holidays, if the account balance is insufficient and the deduction is unsuccessful, even if there is a breach of contract, and the transfer is unsuccessful for three consecutive months, it will automatically Terminate the fixed investment plan.

ICBC is different. Fixed investment business is generally transferred on the first trading day of each month. If the balance is insufficient, the system will automatically scan it. No matter which day in the specified month, as long as the funds in the account are sufficient , deductions will be made automatically. It should also be noted that if there is no successful transfer for three consecutive months or three defaults, the investment plan will be terminated. So make sure you have money in your account.

According to the relevant announcement of ICBC, the fixed investment rules are as follows:

1. The specific deduction date is not specified, and the general deduction date is the first trading day of the month;

2. If the customer makes a fixed investment before 15:00 on the same day, the payment will be deducted on the same day. If the customer makes a fixed investment after 15:00, the payment will be deducted the next day;

3. If the investment is within the legal trading hours on the same day If the balance of the fund account designated by the person is insufficient, the bank system will automatically continue to deduct the funds the next day, and the share will be calculated and confirmed based on the net value of the fund shares on the day of the actual deduction;

4. The balance of the debit account is insufficient, and the number of defaults reaches Three times, the system will automatically terminate the investor's fund fixed investment business;

In addition, investors should understand the calculation rules for breach of contract: If the investor's capital account balance is insufficient during the current period, the subscription for the current period will not be deducted. If successful, the number of defaults will be increased by one. In the next period, the system will not only make up for the previous period's subscription, but also deduct the current period's subscription. If both the supplementary subscription and the current period's subscription are successful, the number of defaults will be reduced by one; if the supplementary subscription is successful and If the current period's deduction subscription is unsuccessful, the number of defaults will remain unchanged; if both the current period's deduction subscription and the current period's deduction subscription are unsuccessful, the number of defaults will be increased by one; and so on.