Our bank does not provide education fund business, but it can handle education savings.

In order to encourage residents to save money for their children's non-compulsory education in the form of savings deposits and promote the development of education, our bank has started the education savings business.

Education savings target: full-time senior high school, junior college, undergraduate, master and doctoral students who receive non-compulsory education.

Education savings is suitable for participation age: fourth grade and above.

Account opening procedure:

1, education savings are registered in real-name registration system;

2. When opening an account, the customer provides the depositor's real name and ID number (with ID card or household registration book, other documents are not accepted). If it is an agent, you must also provide the identity certificate of the agent.

3. You can keep the password.

Deposit form:

1. The minimum deposit is 50 yuan, and the maximum total principal is 20000.

2. Each account shall be deposited at least twice within the agreed period, that is, the maximum monthly deposit shall not exceed 65,438+00,000 yuan.

Preferential policies:

Depositors can enjoy preferential deposit interest rate and tax exemption by providing the Certificate of Non-compulsory Education Student's Identity printed by State Taxation Administration of The People's Republic of China, People's Republic of China (PRC).

Term/preferential interest rate:

The term of deposit is divided into one year, three years and six years.

1. The interest is calculated and paid for one year according to the one-year lump-sum time deposit rate announced by the People's Bank of China on the account opening date;

2. The interest shall be calculated and paid for three years according to the three-year lump-sum time deposit rate announced by the People's Bank of China on the account opening date;

3. Interest shall be calculated and paid for the six-year term according to the five-year lump-sum time deposit rate announced by the People's Bank of China on the account opening date.

4. If "proof" can be provided for early withdrawal, the interest will be calculated according to the actual deposit period and the same grade lump-sum fixed deposit rate announced on the account opening date. That is to say, interest is calculated and paid according to the three-month lump-sum fixed-term savings deposit rate for three months, and the six-month lump-sum fixed-term savings deposit rate for six months, and so on.