什么是整存整取定期儲(chǔ)蓄

　　整存整取定期存款，指約定存期，整筆存入，到期一次支取本息的一種儲(chǔ)蓄。接下來小編為大家整理了什么是什么是整存整取定期儲(chǔ)蓄，希望對(duì)你有幫助哦!

　　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

　　1.Lump-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.

　　3.Partial 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

　　1.In opening an account, the depositor shall present his ID card or other valid credentials.

　　整存整取定期儲(chǔ)蓄存款是指一次存入本金，起存金額為50元人民幣，開戶時(shí)確定存期的一種儲(chǔ)蓄形式。存期分三個(gè)月、半年、一年、三年、五年，由儲(chǔ)蓄機(jī)構(gòu)發(fā)給存單(折)，到期憑存單(折)支取本息。

　　業(yè)務(wù)特點(diǎn)

　　1、整存整取定期儲(chǔ)蓄存款具有期限長(zhǎng)、利率高的特點(diǎn)，而且存期越長(zhǎng)利率越高，適用于較長(zhǎng)時(shí)期不用的節(jié)余款項(xiàng)的存儲(chǔ), 可以滿足人們?yōu)橐欢ㄓ猛径杏?jì)劃存取的需要。

　　2.Such deposit may be withdrawn fully or partly prior to maturity for once, or, upon authorization in advance, and handled on agency renewal of depositing upon maturity by the bank.

　　3.At 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、存期內(nèi)按存入時(shí)同檔次定期利率計(jì)息，到期未支取，超過存期部份按支取日公布的活期利率計(jì)息。也可根據(jù)儲(chǔ)戶意愿，辦理定期存款到期約定或自動(dòng)轉(zhuǎn)存，存款到期轉(zhuǎn)存，按轉(zhuǎn)存日掛牌公告的利率計(jì)息。

　　3、整存整取定期儲(chǔ)蓄存款可以部分或全部提前支取，也可以辦理異地托收。提前支取按支取日掛牌公告的活期儲(chǔ)蓄存款利率計(jì)息。

　　開戶手續(xù)

　　1、開立存款賬戶時(shí)，儲(chǔ)戶可憑其身份證或其他有效身份證件。

　　2、本存款可允許全部或部分提前支取一次，也可預(yù)約由銀行代辦到期轉(zhuǎn)期續(xù)存。

　　開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，儲(chǔ)戶須當(dāng)場(chǎng)在柜臺(tái)上的密碼器上輸入一個(gè)6位數(shù)字作為賬戶的密碼。