It is impossible for everything to go smoothly in this life, and it is inevitable that some sudden things will happen, although they don't want to face it, they have to face it.
For example, if an elderly person in the family dies suddenly, or a family member or friend dies suddenly, it is necessary to deal with his posthumous affairs, and the question of the deceased's savings is also very important.
After all, some old people have saved some money before their deaths, and if they don't take out the money, they are likely to hand it over to the bank for nothing, causing losses to their families.
However, it is possible that many people do not know that their family members have deposits, and once the old man's household registration book and ID card are cancelled, they learn that the old man still has deposits in the bank.
.01
The old man's status was cancelled after he died
Can I withdraw my deposit?
Normally, if an old man dies and there is indeed a deposit in the bank, then the money should be inherited by his family and children or relatives.
However, if you want to withdraw the money deposited in the bank by the deceased elderly, you need the identity certificate of the depositor, the deposit certificate, etc.
So, if the elderly's household registration and ID card have been cancelled, and there is no identity certificate, does it mean that the deposit cannot be withdrawn at all?
On this question, bankers give answers to several scenarios:
1. Know that the account and password can be taken directly.
If you know the bank account number and password of the elderly, and it is a current deposit, you can go directly to the ATM to withdraw it. If the amount does not exceed 50,000 yuan, it can be withdrawn in full at one time.
However, if it exceeds 50,000 yuan, the bank also stipulates that if the amount of a single withdrawal exceeds 50,000 yuan, the withdrawer must use an ID card. In this case, it can also be circumvented, for example, the amount of a single withdrawal should not reach 50,000, and the withdrawal can be made in multiple days.
2. If you don't know the password, you can try it multiple times.
If you know the balance of the bank account but don't know the password, you can also try to enter the password according to the living habits of the elderly, but it is best not to try more than three times a day, because if the wrong password is more than three times, the bank card will be frozen.
3. If you want to withdraw your unexpired deposit, you need to apply.
If the money deposited by the elderly in the bank is a fixed deposit or a large certificate of deposit, and the deposit period has not expired. Then even if you know the password, you can't withdraw the money. You can only withdraw your money when it expires.
At that time, if the total amount does not exceed 50,000 yuan, you can directly withdraw all of them. If it exceeds 50,000 yuan, because the fixed amount deposit is to be deposited and withdrawn in a lump sum, the depositor's ID card and password are required. At this time, if the ID card has not been cancelled, you can still withdraw the money normally.
If the account has been closed, the only way to do this is to go through the notarization process. For example, by providing a death certificate, a certificate of relationship, a certificate issued by the village committee or the community where you live, etc., you can inherit the property, so that you can withdraw the money.
It should be noted that the notarization process will not only be more troublesome, but also need to charge a certain fee, for example, the amount that needs to be notarized is less than 10,000 yuan, and the fee standard is 200 yuan. If the amount exceeds 10,000 yuan, a fee of 2% of the total amount will be charged.
This fee standard is still very high, for example, only 9999 yuan, then you only need to pay 200 yuan, but if it is 2 million yuan, then you have to pay 40,000 yuan, which is very much.
.02
It is not known how much money the old man has in which bank
What to do?
If you don't know which banks the old man has deposited in, you can take the identity information of the old man before his death, go to the notary office for notarization, prove that he is the heir and the family relationship, and then go to the major banks to check whether the deceased has a savings account in his name, you can know whether there is a deposit in the bank.
If you find the old man who left a deposit in the bank before his death, you can take the certificate of the notary office and submit it to the bank for review, and after the audit is passed, you can withdraw the money.
Write at the end. Many people don't understand why their parents' money needs to be paid so much if they want to withdraw it from the bank. This can only be said that this is a relevant legal provision that we need to abide by, and there is not much reason to talk about.
Therefore, for the elderly who have deposits in the bank, it is best to explain their savings to their families at a certain time, or write the relevant information in a certain record book in case the children know in the future, so that they can handle the inheritance in time, or take it out directly, so as to avoid the loss caused by the children not knowing.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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