什么是整存整取定期储蓄

什么是整存整取定期储蓄

整存整取定期存款，指约定存期，整笔存入，到期一次支取本息

的一种储蓄。接下来小编为大家整理了什么是什么是整存整取定期储

蓄，希望对你有帮助哦!

Lump-sum deposit & withdrawal time deposit refers to

savings deposit whose principal is deposited at a time with the

minimum amount of 50 RMB yuan and whose term is set by the

depositor at the time of account opening. The maturities range

from three grades: 3 months, 1/2 year, 1 year, 3 years, 5 years. A

deposit certificate(passbook) is issued to you after the principal

is deposited. When the deposit falls due, the depositor can

withdraw the principal and accrued interest with the

certificate(bankbook).

Service Features

-sum deposit & withdrawal time deposit has the

characteristics of long maturity and high interest rate, and the

longer the period, the higher the interest rate, which is suitable

for depositing of savings that will not be used within a quite long

period of time. It will satisfy the depositor’s needs of

accumulated funds with plans for a definite purpose.

2. In the deposit term, the interest is calculated at the same

rate on time deposit. If there is no withdrawal upon maturity date,

the interest, which is post dated, is calculated at the current

deposit rate declared on the day of withdrawal. If the depositor

agrees, the bank can manage a promissory or an automatic

renewal time deposit. Then the interest will be calculated at the

rate declared on the redeposit day.

l or full amount withdrawal in advance and collection

from other places are permitted. For the withdrawal amount in

advance, the interest is computed at the current rate quoted on

the day of withdrawal.

Procedures for Account Opening

opening an account, the depositor shall present his ID

card or other valid credentials.

整存整取定期储蓄存款是指一次存入本金，起存金额为50元人民

币，开户时确定存期的一种储蓄形式。存期分三个月、半年、一年、

三年、五年，由储蓄机构发给存单(折)，到期凭存单(折)支取本息。

业务特点

1、整存整取定期储蓄存款具有期限长、利率高的特点，而且存期

越长利率越高，适用于较长时期不用的节余款项的存储, 可以满足人们

为一定用途而有计划存取的需要。

deposit may be withdrawn fully or partly prior to

maturity for once, or, upon authorization in advance, and

handled on agency renewal of depositing upon maturity by the

bank.

the time of account opening, the client may choose the

method of withdrawal by password or with a passbook. If the

method of withdrawal by password is chosen, the depositor shall

enter on the spot a six-digit password into your savings account

through the password processor on the counter.

2、存期内按存入时同档次定期利率计息，到期未支取，超过存期

部份按支取日公布的活期利率计息。也可根据储户意愿，办理定期存

款到期约定或自动转存，存款到期转存，按转存日挂牌公告的利率计

息。

3、整存整取定期储蓄存款可以部分或全部提前支取，也可以办理

异地托收。提前支取按支取日挂牌公告的活期储蓄存款利率计息。

开户手续

1、开立存款账户时，储户可凭其身份证或其他有效身份证件。

2、本存款可允许全部或部分提前支取一次，也可预约由银行代办

到期转期续存。

开户时可选择凭密码取款或凭存折取款方式，如选择凭密码取款

方式，储户须当场在柜台上的密码器上输入一个6位数字作为账户的

密码。