The old man is gone, leaving behind not only memories, but also the savings accumulated in the bank. But who would have thought that even the cancellation of an ID card could become a big obstacle to withdrawing money? In reality, when many families deal with the inheritance of their relatives after their death, the most troublesome thing is the withdrawal of bank deposits. You may ask, shouldn't the old man's money go to his family as a matter of course? Today, let's take an in-depth look at how family members can skillfully deal with the cancellation of the ID card in order to take out the hard-earned money.
The money that the elderly have worked hard to save all their lives should have been a guarantee for their children and grandchildren, but who knows, with the cancellation of an ID card, it will not be so simple to withdraw money.
Imagine that the old man of your family is gone, leaving behind a small deposit in the bank. You may think that going to the bank and getting the money out should be a breeze. But the reality is that the bank tells you that because your ID card has been cancelled, you can't get the money so easily.
At this time, you may feel a moment of inexplicability. The money is obviously there, how can it become untouchable air? Don't worry, let's take a look at it step by step, there are a lot of doorways in it.
First of all, we have to figure out, why do banks do this? Actually, it's all rules. The bank needs to confirm the identity of the person withdrawing the money, and once the ID card is cancelled, this confirmation process becomes complicated. It's not that the bank is deliberately trying to embarrass you, but they also have to comply with laws and regulations to ensure that the money is withdrawn legally and compliantly.
So what to do? Don't worry, there are always more solutions than problems. Here are a few tricks you can try.
The first trick, if it is a demand deposit, and the amount does not exceed 50,000 yuan, it is simple, go directly to the ATM machine to operate. Of course, you need to know the password. If you don't know, or the amount exceeds 50,000 yuan, then you have to go to the notary office and get an inheritance notarization.
The second trick, for fixed deposits, is about the same. When the deposit expires, you know the password, the amount is not exceeded, and you can withdraw it directly, otherwise, you still have to rely on notarization.
Again, don't forget to bring all the necessary documents, such as death certificates, passbooks, kinship certificates, etc. These are all important bases for the bank to confirm your eligibility for withdrawals.
Speaking of which, you might be thinking that these programs sound like a bit of a hassle. Yes, it's a bit cumbersome, but it's also about keeping your money safe, after all, it's about your family's hard-earned life savings.
Let's talk about it again, if the old man also set up a trust account, or left a will, what should be done in this situation? In fact, the principle is similar, the key is to prove that you have the right to withdraw the money. If there is a will, it will be executed according to the will, and if there is a trust account, it will be determined who the beneficiary is.
Finally, if you feel that you can't cope with it, it is also a good choice to consult a lawyer. They are professional and experienced in handling these matters, and can provide you with more professional advice and assistance.
Having said all this, I actually want to tell you that although the road may be a little tortuous, there is a way after all. Don't be discouraged by the difficulties of the moment, after all, this is the love left to you by the old man, and it is also a symbol of their life's hard work. We should cherish it more and work harder to transform this love and hard work into the future and hope of the family.
Therefore, when you encounter such a problem, take a deep breath, take one step at a time, follow the process, and you can always solve the problem. And this process may also make you know how to cherish and be grateful, isn't it?