1. After you bought the fund, the money was drawn from the Agricultural Bank of China. If you have 3000 yuan in your bank card now, you can withdraw it, which may be your cash dividend. Generally, only when the fund is redeemed (that is, sold) will the redemption money return to the bank card, and it cannot be directly withdrawn without redemption of the fund.

2. If this 3000 yuan is your cash dividend, you can take it out at any time. Just because your fund share still exists doesn't mean that you will redeem the purchased share.

You can deposit the money in this bank card and use it as an ordinary savings card. After you redeem the fund, the redemption money will return to this bank card, and you can withdraw the redemption money at any time.

Your fund has now fallen to more than 30 cents. If you don't need money urgently, I suggest you hold it for a long time and change the dividend method to dividend reinvestment. Generally, if you hold it for a long time, the income will be better. Finally, I suggest you consult ABC again. Each organization has different allocation rules. Please take their answers as the standard. Hehe, look at mine. It's usually like this.