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Can the fund bought in the bank be withdrawn in advance?
Yes, you can. For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the identity certificate of the depositor in advance; If the withdrawal is made on behalf of the depositor, the payee must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal. The payee must also sign the name of the payee on the payment voucher.

For unexpired time savings deposits, depositors can make partial withdrawal in advance according to their needs, and the write-off procedures remain unchanged. The interest rate of the early withdrawal part is paid according to the interest rate of the current savings deposit listed on the withdrawal date, and the retained part is paid according to the original interest rate when it is withdrawn on the original deposit date. A lump-sum time deposit can only be withdrawn once in advance for each certificate of deposit.

Measures for the management of extended information based on bank accounts:

Article 28 The People's Bank of China is responsible for coordinating and arbitrating disputes over the opening and use of bank accounts, supervising and auditing the establishment and opening of bank accounts, correcting and punishing acts violating the provisions of these Measures, and issuing and managing account opening licenses. The account opening permit shall be uniformly made by the head office of the People's Bank of China.

Article 29 An account-opening bank shall be responsible for auditing the opening and closing of accounts in accordance with the provisions of these Measures, correctly handling the opening and closing of accounts, establishing and improving the registration system of expense accounts, establishing account management files, and regularly reconciling accounts with depositors.

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