Generally, post supervision has a heavy workload, so as long as things are not so obvious, they will not be found out. If there are obvious doubts, they may be monitored and will be found out.

The biggest fear of this kind of thing is that the customer will bite back if something goes wrong.

Time deposit is also called "time deposit certificate".

A deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity.

If depositors need funds before maturity, some certificates of deposit can be sold in the market, while others cannot be transferred. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.

Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit for a fixed account is 50 yuan, and there is no deposit limit.

The storage period is three months, six months, one year, two years, three years and five years.

Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.

Interest shall be calculated and paid at the deposit interest rate on the day when the deposit certificate is issued, at the current deposit interest rate on the day of withdrawal for early withdrawal and at the deposit interest rate on the day of withdrawal for overdue withdrawal. I can apply for a small pledge loan with my time deposit certificate.

For the unexpired time savings deposit, the depositor shall draw on behalf of the depositor with the deposit certificate and the depositor's identity certificate in advance, and the depositor shall also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit rate listed on the withdrawal date, and the payer shall also sign the payer's name on the payment certificate.

For unexpired time savings deposits, depositors can make partial withdrawal in advance according to their needs, and the verification procedures remain unchanged. The interest rate of the early withdrawal part is paid according to the interest rate of the current savings deposit listed on the withdrawal date, and the retained part is paid according to the original interest rate when it is withdrawn on the original deposit date.

A lump-sum time deposit can only be partially withdrawn once in advance for each certificate of deposit. If it has been partially withdrawn in advance, the savings institution shall indicate the words "partially withdrawn in advance" on the withdrawn deposit slip and the newly opened deposit slip. (After 20 11March1,the lump-sum deposit in CCB, whether deposited before or after, can be partially withdrawn indefinitely, and it is no longer restricted once. ) means that depositors can only withdraw money on a specified date after deposit, or they must be notified a few days before they are ready to withdraw money.