U-Shield signature is not required when withdrawing time deposits in advance through ICBC Personal Online Banking.

For early withdrawal of time deposits from ICBC Online Banking, you can bring your ID card and bank card to the counter. In regular savings, it is often necessary to withdraw deposits in advance for various reasons. However, according to regulations, early withdrawal of time deposits can only be When interest is calculated based on current interest rates, losses are inevitable. However, there are some techniques that can be used to minimize interest losses. The following methods can be considered.

1. Handle partial early withdrawal. Bank regulations stipulate that early withdrawal of time deposits can be divided into two types: partial and full early withdrawal. Depositors can handle partial early withdrawal according to their own needs, so that the remaining part of the deposit can still be paid according to the original deposit date, original interest rate, and original deposit certificate. Interest is calculated on the maturity date. For example, a depositor has a one-year time deposit certificate with an amount of 20,000 yuan on hand. Half a year after depositing it, the depositor urgently needs 10,000 yuan. If he withdraws part of 10,000 yuan in advance, it will be better than fully withdrawing 10,000 yuan. Early withdrawal reduces interest loss by 391.5 yuan. Assume that the annual interest rate of one-year time deposit is 10.98 and the annual interest rate of current savings is 3.15. The calculation formula is as follows: (20000-10000)×(10.98-3.15)×180/360=391.5 yuan.

2. Apply for a certificate of deposit mortgage loan. Due to urgent need, you need to withdraw the full amount of the time savings certificate of more than one year in advance, and the withdrawal date is more than half or shorter than the expiration date of the original certificate of deposit. In this case, you can use the original certificate of deposit as collateral to apply for a small loan. In this way Interest losses can also be reduced. For example, if you have a fixed deposit of 10,000 yuan for 2 years and have deposited it for 1 year, and you need an urgent loan of 10,000 yuan, if you apply for a mortgage loan with a term of 1 year (because there is still one year before the expiry date of the deposit certificate), it is better than Withdraw in advance and earn an additional 577.8 yuan. Assume that the annual interest rate of 2-year fixed savings is 11.70; the annual interest rate of 1-year working capital loan is 14.472. The calculation formula is as follows: 10000×(11.70× 2?3.15×1?14.472×l)=577.8 yuan.

3. When withdrawing regular savings in advance to switch to an investment method with higher interest rates, you should first calculate the interest gains and losses before proceeding. If you go to the bank with a 3-year time deposit certificate of 10,000 yuan deposited on May 15, 1993 and ask for an early withdrawal to buy treasury bills, you should make an account: If the factor of value preservation is not taken into account, the annual interest rate is 10.80 Calculate, the interest due upon maturity is 3,240 yuan; for purchasing treasury bills, the interest due upon maturity is 4,200 yuan. If you withdraw in advance, the interest can only be calculated based on the current savings interest rate and the deposit period of 1 year and 10 months, and you will get 396 yuan. Comparing a few figures, you can get 960 yuan more interest by buying treasury bonds than depositing it for 3 years, but you can get 2844 yuan less interest by withdrawing it in advance.