The minimum agreed deposit limit is RMB 100,000, and customers can agree on a specific basic limit with the bank based on the actual situation.

The agreement deposit account is divided into account A (settlement account) and account B (agreement account). Account A calculates interest based on the current deposit interest rate announced by the People's Bank of China on the settlement date, and account B calculates interest based on the agreement deposit interest rate announced by the People's Bank of China on the settlement date.

The agreement deposit account is not an independent deposit account. Customers can handle daily settlement business through the settlement account. The bank is responsible for the operation and management of the agreement deposit account.

Account A of the agreed deposit is managed and used as a basic deposit account or a general deposit account. Neither Account A nor Account B is allowed to be overdrafted.

If the average monthly balance of the agreement deposit account is lower than the minimum agreed amount for two or more years, after the interest is settled, it will be treated as a basic deposit account or a general deposit account and will no longer enjoy the agreement deposit interest rate.

If the customer needs to liquidate his account during the contract period, he must submit a written statement, which can only be processed after the bank has verified it.

The account-opening unit should sign an "Agreement Deposit Contract" with the account-opening bank. The maximum contract period is one year (inclusive). If either party does not propose termination or modification upon expiration, it will be automatically extended.

Any unit that applies to open an agreement deposit account in a commercial bank should have opened a basic deposit account or a general deposit account (hereinafter referred to as the "settlement account"), which is used for accounting of normal economic activities. This account is called Account A.

At the same time, the computer automatically generates an agreement deposit account (hereinafter referred to as Account B).

If the unit already has a settlement account, the original settlement account will be used as account A and the agreement deposit procedures will be handled for it.