In 2024, when depositing money in the bank, remember 5 to 2 don't, and don't let the money go down the drain
If you go to the bank to deposit money this year, you must pay attention to these details, otherwise the money will be gone.
When this man has no money, he looks forward to it. When you have money, you worry about the safety of your money.
Why do you say that? Because when you have money, you have to have a place to put it. You can't just keep it all at home, right?
Speaking of which, I really told you a "joke", and now I think it's a joke, how sad the second lady was at that time.
It was when I was more than ten years old, I went to the next door neighbor's second aunt's house to play, and saw the eldest lady sitting on the ground crying, at that time the floor was not like the cement and tiles of today.
At that time, it was pure soil, and it was full of potholes, and all the soil made on the second aunt was soil.
In the end, I found out that the eldest mother put the 200 yuan she had saved so hard and hid it in the shell of the second uncle's cotton shoes.
After more than half a year, I was startled when I went to get it, and ran away with two rats, and the money was broken, and it was nested by rats, and 200 yuan was a lot of money at that time!
So it's important to put money in a safe place, and now we all put our money in the bank?
If you go to the bank to deposit money, you must also pay attention to safety, and you must know these five do's and don'ts.
The first one, the most important, is also the most overlooked. Look for this sign at the front of the bank, which says "Deposit Insurance Protection".
Some people will definitely say that there are banks now, in fact, 95% of the current banks have this signboard, but there are also 5% without this signboard.
So when you see a bank that doesn't have this signboard, you must not go in to make a deposit for the sake of safety.
The second is that when you save money, it is safer to have a certificate of deposit or passbook.
Nowadays, many banks, when you go to make a deposit, as long as you don't ask for a passbook or certificate of deposit.
I will give you a bank card, and the bank card is really convenient and can be operated by mobile phone.
But like older people, they can't figure it out at all. There will also be something that you can't see, you can't touch, you don't even have a certificate, and your heart is not steady.
And if you deposit money in a certificate of deposit or passbook, then you are really saving money, and it will definitely not be a wealth management product or a fund.
This passbook and deposit certificate can only be taken out by taking your ID card to the bank when you take it, so isn't it safer?
Third, when depositing, you must not deposit all the money in your hand in a fixed deposit certificate.
If there is an urgent matter to use one day, the interest will be blind if you take it out, and it will be calculated according to the current period.
So you have to have a plan for your money. Keep some money on hand and keep the rest on a regular basis.
The deposit period should not be stored in one passbook, but should be stored separately.
Fourth, the sum of the principal and interest of the deposit should be controlled within 500,000 yuan
There are provisions in the Bank's Regulations on Deposit Insurance.
If the bank goes bankrupt or other emergencies, users with deposits of less than 500,000 yuan are safe and can be fully compensated.
This 500,000 is all the deposits in the name of one person.
For example, if you want to save 1 million, don't put it all in your name.
Fifth, when saving money, you must look at the certificate of deposit
Saving money is really a big deal, and it's not easy to save a little money.
When we make a deposit, we must look at what is written on the deposit certificate.
If there is a word for financial management or insurance, it may be a mistake.
If you don't want to pursue high interest rates and don't want to take risks, then be sure to change it.
These 5 are to be finished, so what is not 2?
First, if you are saving on a regular basis, you must not use automatic rollover.
The automatic rollover generally transfers the principal to you, and the interest is not deposited.
And it is automatically rolled, and the interest he calculates for you is the listed interest. If you go to the bank to manually transfer the deposit, the actual interest is calculated.
There is a distinction between high and low interest rates. So don't be afraid of trouble when it expires, just go to the bank and transfer it yourself.
Second, don't, don't listen to others easily.
Do you ever feel that way? Every time you go to the bank, there are people in the lobby who sell you products.
You can't tell if these people are inside the bank or not.
So, as long as you don't trust them easily, let's go to the counter to handle it, and we must not be soft-eared and listen to everyone's words.
Deposit must pay attention to safety, especially our elderly friends, cover their money bags.
It's okay to make money, but you can't waste it. No matter what type of deposit or how much you save, you must have a certificate.
If you think it's useful, share it with more relatives and friends around you, and helping others is helping yourself.