You don't necessarily need me to withdraw money from the deposit slip. You can withdraw money without a certificate of deposit. You need to bring your ID card, payee's ID card and bank deposit slip, go to the counter of the bank's business outlet and enter the deposit slip password to withdraw money.
Certificate of deposit is a kind of credit certificate for banks to handle savings business. Generally used for lump-sum deposit and withdrawal, time deposit and convenient deposit. After issuing certificates of deposit and passbooks, banks are financially responsible for depositors' deposits.
When people deposit money, they first come into contact with certificates of deposit and passbooks. Deposit certificate and passbook are a kind of credit certificate for banks to handle savings business. Certificates of deposit are generally used for lump-sum deposit and withdrawal, time deposits and convenient deposits, while passbooks are mostly used for continuous deposit types with frequent receipts and payments, such as lump-sum deposit and withdrawal, demand deposits and other deposit types. When handling business, banks must affix the seal of savings business and the personal seal of the person in charge, and fill in the relevant account name, deposit amount, deposit term, deposit time, maturity time, account number, interest rate and other contents completely.
The certificate of deposit is the voucher for depositors to deposit and withdraw money, and depositors should keep it properly to avoid unexpected and unnecessary losses, especially the frequently used current deposit and lump-sum passbook. In life, it is not uncommon for depositors to lose or steal certificates of deposit, which is mainly caused by poor storage of certificates of deposit. Some depositors put certificates of deposit at will, stuffed them in cabinets and put them in account books; Some depositors think that it takes a long time to withdraw money, and they are afraid of losing it and stuffing it in the floor, or simply burying it underground. After a long time, I either forgot or was bitten by a mouse, eaten by a bug and moldy. Other depositors like to carry their certificates of deposit with them, which makes them easy to be lost and stolen.
Legally speaking, certificates of deposit are contract documents that prove the creditor-debtor relationship between depositors and financial institutions. It reflects the following contract contents:
Both parties have the real intention to establish a deposit relationship.
The deposit has actually been delivered to the financial institution. Legally speaking, the deposit contract is a kind of "practical contract", that is, the depositor can actually deposit the deposit in a financial institution before the deposit contract can be established.
The deposit amount, deposit term, interest rate and other terms are the contents of the contract, and both parties shall abide by them together.
Can't I get a bank deposit slip?
Yes, agents can take out their ID cards at bank outlets with their ID cards and certificates of deposit, and they need to enter the password of certificates of deposit.
A time deposit certificate is a deposit that the bank and the depositor agree on the term and interest rate in advance, and pay the interest and principal in one lump sum after maturity, which can be withdrawn in advance. The part withdrawn in advance is calculated according to the current interest, 0.3%, so it is not cost-effective to withdraw in advance.
Can't I get a bank time deposit certificate?
A time deposit certificate can also be withdrawn by someone other than himself, as long as the depositor grants the agent the right to withdraw in advance and tells him the withdrawal password.
Under normal circumstances, it will be more convenient to withdraw money from someone other than me when the time deposit certificate expires; If the time deposit certificate has not expired, it will be more troublesome to withdraw money in advance instead of taking it yourself.
Time deposit certificate refers to the deposit certificate issued by the financial institution to the depositor after the depositor has deposited the funds in the financial institution for a certain period of time. The time deposit certificate must specify the amount, start and end dates and interest rate. At maturity, financial institutions shall repay the principal and interest to depositors. Time deposit certificates can be divided into negotiable deposit certificates and negotiable deposit certificates.
Classification of time deposit certificates
Negotiable certificates of deposit. The abbreviation of time deposit certificate refers to the transferable time deposit certificate issued by the bank to repay the holder. The voucher contains the issued amount and interest rate, as well as the date and method of repayment.
If the term of time deposit certificate exceeds 1 year, interest can be paid during this period. In new york's money market, the unit of time deposit certificate is usually USD 654.38 +00,000, and the term ranges from 30 days to 5 years or 7 years, usually 654.38+0-3 months. All payments will be made on the due date.
No negotiable certificates of deposit. No, negotiable certificates of deposit are time deposit certificates issued by financial institutions and are not transferable. If the holder needs funds during this period, he can only cancel the contract or pledge the loan again.
In essence, certificates of deposit are still time deposits of banks. But certificates of deposit are also different from deposits:
Time deposits are registered, non-transferable and cannot be circulated in the financial market, while certificates of deposit are bearer and can be transferred in the financial market.
The amount of time deposit is not fixed, big or small, whole or zero, while the amount of time deposit certificate is fixed, and it is a big integer, at least 500 thousand dollars, and the trading unit in the market is 6.5438+0 million dollars.
Although time deposits have a fixed term, they can be withdrawn in advance before maturity, but they lose their due high interest; Certificates of deposit can only be withdrawn at maturity, not in advance.
The term of time deposit is mostly long-term; Term certificates of deposit are mostly short-term, ranging from 14 days to 1 year, less than 1 year.
The interest rate of time deposits is mostly fixed; Deposit certificates have fixed interest rates and floating interest rates. Even if the interest rate is fixed, the transfer in the secondary market should be calculated according to the current market interest rate.
Can't I get a bank deposit slip?
Of course.
If the bank's time deposit certificate is lost, you can report the loss and reissue it. I need you to take your ID card to the bank to report the loss and reissue it! Must be the depositor himself. Don't worry, it will be reissued in seven days. After the certificate of deposit is lost, you can't take out the amount of the certificate of deposit directly with your personal ID card and password. Under normal circumstances, users should report the loss of deposit slips at bank outlets with their personal ID cards. After the loss of the deposit slip is reported, he can apply for a new deposit slip, and then the user can handle the withdrawal business with the new deposit slip. Or the user can go directly to the bank outlet to handle the withdrawal business one week after the loss of the certificate of deposit is reported.
1. Can't I get the bank deposit slip?
Generally speaking, you can't take money out. If it is a special reason, the bank should know the absence of the certificate of deposit, as well as the depositor's own situation, whether the certificate of deposit is lost, and why the depositor can't handle the business in person. You can contact the outlets to verify the details. Take your ID card and someone else's password with you when you withdraw money. If the SMS is bound, you must also have your own card number to send the activation instruction.
Second, what is the role of bank deposit certificates?
A bank receipt is a valid document indicating that an individual or unit is handling business in a bank.
The bank receipt can be used for users to check whether the transaction information is wrong or not, and can also be used as a voucher for this transaction; There may be important information such as your card number information, the bank where the account is opened, and the cardholder's signature on the bank receipt. If this information is mastered by others, it is possible to steal the amount in your card by some means.
Receipt is a form used when the other party receives the reply or written notice of your goods, that is, when some individuals or units send notices to other individuals or units, in order to ensure that the individuals or units that need to receive these notices or messages know these notices or messages, the individuals or units that need to receive these notices or messages reply.
Third, the bank receipt printing method
1. Bring your ID card to the bank;
2. Take the number and line up. After calling the number, give the ID card to the bank counter staff;
3. Inform the bank staff that the business receipt is lost;
4. And provide relevant information to the staff;
5. The bank inquires the business receipt and copies it;
6. This copy can only take effect after it is signed by the bank.
This is not my deposit slip. Can I withdraw money?
It's not my certificate of deposit, so I can't withdraw money generally. If it is a special reason, the bank should know the absence of the certificate of deposit, as well as the depositor's own situation, whether the certificate of deposit is lost, and why the depositor can't handle the business in person. You can contact the outlets to verify the details.
Take your ID card and someone else's password with you when you withdraw money. If the SMS is bound, you must also have your own card number to send the activation instruction.
Chapter V of the Regulations on Savings Management
Twenty-ninth depositors to withdraw the unexpired time savings deposits in advance, must be handled by the certificate of deposit and the identity certificate of the depositor; If the withdrawal is made on behalf of the depositor, the payee must also hold the identity certificate of the depositor.
Article 30 certificates of deposit and passbooks are divided into registered and bearer types. Registered certificates of deposit and passbooks can report the loss, while bearer certificates of deposit and passbooks cannot.
Article 31 If a depositor loses his certificate of deposit, passbook or reserved seal, he/she must immediately show his/her identity certificate, provide the depositor's name, account opening time, deposit type, amount, account number, address and other relevant information, and apply in writing to the savings institution where he/she opened the account to report the loss. Under special circumstances, depositors can apply for loss reporting orally or by letter, but they must apply in writing within 5 days.
Article 34 Depositors must withdraw unexpired time deposits by presenting their certificates of deposit and resident identity cards. Where an agent withdraws an unexpired time deposit, the agent drawee must also issue his resident identity certificate. For early withdrawal procedures, other identification certificates are invalid, and the handling of special circumstances can be decided by the competent business department of the savings institution.
References:
Baidu Encyclopedia-Regulations on Savings Management
My deposit certificate is not mine. Can I go to the bank to get it?
If the certificate of deposit is not my own, you can take my ID card and password to get it. In fact, most banks support the withdrawal of certificates of deposit, but the cashier needs to provide the ID card of the holder of certificates of deposit, as well as my ID card and password of certificates of deposit, so that the withdrawal can be made at the counter normally when the procedures are complete. But it should be noted that if the withdrawal amount is large, he needs to make an appointment with the bank in advance. The depositor's ID card and the payee's ID card can be withdrawn by password. If you are still not sure, you can call the bank so that you can get an accurate answer. Generally, when the withdrawal amount exceeds 50,000, it is necessary to inform the bank one day in advance, and only in this way can the withdrawal business be handled.
Require the drawer to provide the depositor's ID card, my ID card and the password of the deposit certificate. If the amount to be withdrawn is large, he needs to make an appointment with the bank in advance. As a credit certificate for bank savings business, generally speaking, users will get a certificate of deposit after time deposit, and users can also withdraw money from it by virtue of the certificate of deposit.
Rights of holders of certificates of deposit
Legally speaking, certificates of deposit are contract documents that prove the creditor-debtor relationship between depositors and financial institutions. It reflects the following contract contents:
Both parties have the real intention to establish a deposit relationship.
The deposit has actually been delivered to the financial institution. Legally speaking, the deposit contract is a kind of "practical contract", that is, the depositor can actually deposit the deposit in a financial institution before the deposit contract can be established.
The deposit amount, deposit term, interest rate and other terms are the contents of the contract, and both parties shall abide by them together.
In addition to the contractual right to withdraw a certain amount at a certain interest rate and within a certain period stipulated in the contract, depositors' deposits are also directly protected by law. Article 13 1 of our constitution stipulates that the state protects citizens' lawful income, savings, house ownership and other lawful property. This legal principle of protecting depositors' savings is embodied in three aspects: the ownership of deposits belongs to depositors and no one can infringe upon them; The right to use the deposit belongs to the depositor; The right to dispose of deposits belongs to depositors, who have the right to donate or transfer their own deposits. Both the Commercial Bank Law and the Regulations on Savings Management stipulate that financial institutions should follow the principle of "voluntary deposit, freedom of withdrawal, interest-bearing deposit and confidentiality for depositors" when handling savings deposit business. If the judicial organ needs to show the official inquiry letter of the judicial organ at or above the county level to the bank due to the investigation, prosecution or trial of the case, it will be checked by the county branch of the bank or the branch of the city, and the designated savings office will provide the information.
In the process of handling a case, the judicial organ must issue a formal Notice of Assistance in Stopping Payment and a copy of the ruling of the judicial organ at or above the county level when it finds that the deposit of the party concerned is directly related to the case and requests to stop paying the deposit. The suspension period shall not exceed 6 months at the longest, and it will be automatically terminated after the expiration. When the people's court executes a civil judgment, if personal savings deposits are involved, the parties concerned shall hand over their savings certificates. If the party refuses to hand over the payment, the people's court at or above the county level shall issue a Notice of Assistance in Stopping Payment to the bank, with a copy of the judgment or mediation, which shall be executed by the party concerned. When the people's court decides to confiscate the prisoner's savings deposit, the bank shall go through the withdrawal procedures with the judgment and deposit certificate of the people's court at or above the county level. These regulations effectively protect the legitimate interests of depositors and prevent illegal infringement of depositors' deposits due to judicial arbitrariness.