什么是通知儲(chǔ)蓄存款

什么是通知儲(chǔ)蓄存款

　　The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit and withdrawal. According to the different methods of deposit and withdrawal, there are five types of savings deposit: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit.

　　活期儲(chǔ)蓄存款是指不確定存期、客戶可隨時(shí)存取款、存取金額不限的一種儲(chǔ)蓄方式。按其存取款方式，活期儲(chǔ)蓄存款又可分為活期存折存款、活期支票存款、定活兩便存款、借記卡及通知存款等。

　　I.Definition

　　一、定義

　　Notice deposit is defined as one that does not have definite term when making deposits and the types are chosen in advance (now there are two types: one day notice deposit and seven days notice deposit), and you must inform the bank before the withdrawal of the date and amount of withdrawal. Usually the minimum amount of notice deposit is 50,000 RMB yuan in a lump sum with the minimum withdrawal sum not less than 50,000 RMB yuan each time. You can deposit money in a lump sum and withdraw money in a lump sum or by several times.

　　通知儲(chǔ)蓄存款是一種存款人在存入款項(xiàng)時(shí)不約定存期，預(yù)先確定品種(目前分一天通知儲(chǔ)蓄存款、七天通知儲(chǔ)蓄存款兩個(gè)品種)，支取時(shí)需提前通知銀行，約定支取日期及金額的儲(chǔ)蓄存款方式。一般5萬元起存，最低支取金額5萬元，一次存入，可分一次或多次支取的儲(chǔ)蓄存款。

　　II.Service Features

　　二、業(yè)務(wù)特點(diǎn)

　　Notice deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the notice deposit is taken as the basis of clients’ financial asset managements.

　　通知儲(chǔ)蓄存款是銀行最基本、常用的存款方式，客戶可隨時(shí)存取款，自由、靈活調(diào)動(dòng)資金，是客戶進(jìn)行各項(xiàng)理財(cái)活動(dòng)的基礎(chǔ)。

　　III.Functions

　　三、功能

　　Aside from the functions of deposit and withdrawal, a notice deposit account also has the following functions:

　　通知儲(chǔ)蓄存款賬戶除了具有存取款功能外，還有下功能：

　　1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;

　　1、申辦與之配套的電子借記卡，可在ATM機(jī)上辦理取款及轉(zhuǎn)賬等銀行業(yè)務(wù)，可在特約商戶購物消費(fèi);

　　2.To handle salary payment service on agency;

　　2、辦理代發(fā)薪服務(wù);

　　3.To apply for telephone banking service;

　　3、申請(qǐng)電話銀行服務(wù);

　　4.To make an automatic banking.

　　4、通存通兌。

　　A client with a notice deposit account may handle the deposit or the withdrawal at any savings office with the Current All-In-One passbook.

　　客戶只要開立通知儲(chǔ)蓄存款賬戶，便可以持活期一本通存折在任一銀行儲(chǔ)蓄網(wǎng)點(diǎn)辦理存取款業(yè)務(wù)。

　　IV. Procedures for Account Opening

　　四、開戶手續(xù)

　　1.A Current All-In-One passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you transact the deposit and deposit 50,000 RMB yuan in a lump sum.

　　1、客戶在銀行辦理存款手續(xù)，一次性存入50,000元人民幣，即可獲得活期一本通存折，并可同時(shí)申請(qǐng)借記卡。

　　2.At the time of account opening, the client may choose the method of withdrawal by password or with the passbook. If the method of withdrawal by password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.

　　2、開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，客戶須當(dāng)場(chǎng)選擇一個(gè)6位數(shù)字輸入作為該活期儲(chǔ)蓄賬戶的密碼，在柜臺(tái)上的密碼器上輸入，包括銀行經(jīng)辦人員在內(nèi)的其他人都無法知道密碼。密碼相當(dāng)于您取款的一把鑰匙，必須牢記，不可泄露他人。