Caused by the negligence of bank employees
If this is caused by the negligence of the bank staff and forgetting to stamp the official seal, then you don't need to worry, because the money has been deposited in the banking system. Even if the deposit slip is lost, you can find out that the deposit is in your name through your ID card. In addition, every real business handled by the bank has accounting vouchers (at present, many banks have implemented scanning entry system), and deposits can also be found through audit.
Therefore, as long as it is a real deposit, don't worry. Even if the deposit certificate has no official seal, you can still withdraw money conveniently, because the number of this deposit certificate is recorded in the bank's business system.
Caused by crimes committed by bank employees.
If this certificate of deposit is not stamped because of a crime committed by a bank employee, it is actually a fake certificate of deposit, then the money does not exist in the bank system. At this time, you can't withdraw money from the bank with this certificate of deposit.
At this time, you will encounter great trouble: first, there is no monitoring record to check (the monitoring record of the bank will generally only be kept for 6 months, and the new monitoring record will overwrite the old record after 6 months); Second, there is no accounting to check (there will be accounting vouchers in the real transaction of the bank, which will be kept, but if you are a fake deposit certificate, it is impossible for the criminals of the bank to keep accounts with accounting vouchers); Third, without the official seal, it is impossible to prove that it is a deposit certificate of the bank (the official seal of the bank is retained and needs to be filed with the local public security bureau).
So at this time, after you go to the bank with this deposit slip, even if the staff member is still on the job, you have no evidence to prove that he committed a crime, so it is very difficult to handle this matter. Therefore, in reality, when you go to the bank to apply for a time deposit, you should not only look at whether the information is complete (amount, deposit period, interest rate, etc.) after receiving the time deposit certificate and receipt. ), but also depends on whether the official seal of the bank and the private seal of the institution are stamped. In addition, in order to prevent the radish from poking, you should check whether the funds are really deposited in your name through electronic channels (online banking, mobile banking, etc.) after handling the transaction regularly. ), has been guaranteed to be foolproof.
abstract
When the Woods are big, there are all kinds of birds. In the current market situation, we should learn to protect personal funds and minimize unnecessary troubles and losses. After all, when there are real problems, we are extremely small individuals for giants like banks.