1. Prepare the money, ID card and password deposited in the bank.

2. Go to the bank counter to ask for a time deposit certificate, and fill in the name, deposit amount, deposit term, certificate number, etc.

Give your ID card to the bank staff, and they will make a copy for you and sign it.

4. Give the money, your ID card, a copy of your ID card and the certificate of time deposit to the bank staff, and go through the relevant formalities for you after counting the money.

Extended data:

Time deposit method:

1, pyramid deposit method. The most taboo of saving time deposit is that when the time deposit has not expired, you will encounter the situation that you need money urgently. When withdrawing money, it is calculated according to the current interest. Therefore, depositors' interest losses are great. Therefore, depositors can use the pyramid deposit method. For example, a user has a time deposit of 6,543,800 yuan, which can be divided into three periods, namely 20,000 yuan, 30,000 yuan and 50,000 yuan. In this way, when depositors need money urgently, they can take out one of them according to the situation.

2. Twelve certificates of deposit method. This method means that the depositor divides the cash to be deposited into twelve parts and guarantees a fixed deposit every month, one year 12 months. In the second year, a fixed deposit certificate will expire every month, which will not affect the normal use of depositors. Even if some certificates of deposit are withdrawn in advance, it will not affect the remaining certificates of deposit.

3. Interest guidance method. When depositing money, most depositors value nothing more than bank interest. If the central bank raises interest rates, depositors can focus on medium and long-term deposits. If the central bank cuts interest rates, depositors can pay attention to the short and medium term. In short, everything is subject to the central bank's policy of raising interest rates or lowering interest rates. Of course, when you make a time deposit, you must leave enough funds for later use.

Time deposit purchase skills:

1. Choose a bank deposit with a relatively high interest rate. On the whole, the time deposit interest rate of small joint-stock commercial banks is higher than that of large joint-stock commercial banks.

2. Choose long-term fixed deposits for investment. The interest rate of time deposit varies according to the investment period. The longer the general term, the higher the interest rate of time deposit. However, users should plan their funds well.

3. Increase the deposit amount. Generally, the interest rate of large deposits is higher than that of ordinary deposits. If users have more funds, they can choose large deposits.

Is a large deposit or a fixed deposit better?

The investment threshold of certificates of deposit is relatively high. Generally speaking, the starting point for individual investors to buy certificates of deposit is 200,000 yuan, while time deposits only need 50 yuan. At the same time, the deposit interest rate is relatively high, generally 40% to 50% higher than the benchmark interest rate, and the time deposit generally rises by 20% to 30%. Therefore, for investors with less funds, it is best to choose time deposits, while for investors with larger funds.

In addition, there are the following differences between time deposits and time deposits:

1, different deposit terms

There are six kinds of certificates of deposit, which are divided into three months, six months, one year, two years, three years and five years. After the expiration of the deposit term, you can withdraw the principal and interest or continue to transfer it according to the original term. Certificates of deposit have nine maturities, namely 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years.

The convenience of deposit is different.

Time deposits are more convenient and can be processed at any time, while large deposit certificates need to wait for the next issue because of the issuance quota.