If we lose our certificates of deposit or don't know where to put them, will we not be able to recover our money? If someone finds them, will they take our money?
Here I can clearly tell you that even if our deposit certificate is picked up by others, the possibility of the money in your deposit certificate being withdrawn is very small, and I will explain it to you in detail today.
Everyone knows that if we lose our bank card, we can go to the bank to report the loss and reissue it. In fact, a certificate of deposit is similar to a bank card, a bank card has its own account number, and a certificate of deposit has its own account number and voucher number. Even if you forget your bank card number and certificate of deposit account number, all your identification information and certificate of deposit information are recorded in the banking system.
As long as you go to the bank with your ID card and ask the staff to check it, your deposit history will be displayed, including the number of demand deposits and certificates of deposit, the time of deposit, and the amount, at a glance.
If someone picks up your certificate of deposit, it is almost impossible for him to withdraw the money. Why?
Because he needs your deposit slip, your ID card, and your deposit slip password to know that a stranger has all these things at the same time, which is almost impossible. Even if he is an acquaintance, he knows the certificate of deposit, he also has an ID card, and he also obtained your certificate of deposit and password, but he does not dare to take the certificate of deposit to the bank to withdraw money, because he has to use his own ID card as an agent to withdraw money, and sign the certificate, once he goes to check, he will be revealed.
If we do lose the certificate of deposit, what do we need to provide for the reissuance?
In fact, it is very simple, you only need to bring your ID card to the bank counter to report the loss and reissue. If your certificate of deposit supports deposit and exchange, you can report the loss and reapply at any of the bank's outlets. If you do not support universal deposit and exchange, you only need to go to the bank where the certificate of deposit was originally issued to report the loss. After reporting the loss on the same day, the staff will apply for a new deposit certificate for you. If the certificate of deposit expires, you can also choose to report the loss of the account and withdraw the deposit directly.
However, if you find that your certificate of deposit is lost and you have not opened the deposit and exchange system, you can call the bank's customer service, provide valid identity proof and relevant information, and verbally report the loss. However, it should be noted that the period for verbal loss reporting is five days. Within five days, you will need to return for a written report of the loss and a replacement certificate of deposit.
If you are unable to return within five days, the banking system will automatically release the loss report. You will need to verbally report the loss again until you return for processing. You can rest assured that your old certificate of deposit will be invalid after you have reissued a new certificate of deposit.
I hope that everyone can take good care of their deposit receipts and avoid unnecessary trouble.