Starting from August 1st, when you go to the bank to deposit money, you must remember these five do's and don'ts.
Some people just don't follow this principle. As a result, it suffered. Hard-earned money. It's gone.
Don't look at some people who often go to the bank to deposit money and withdraw money. to handle all kinds of business. But they have some routines when it comes to saving money. It's also not clear.
Not to mention those of us who don't often go to the bank, deposit money and withdraw money. The chances of being hit are even greater. When the time comes, you won't even have a place to reason.
I'm not alarmist. There is a lot of news about similar situations. So, I'm going to share it with you.
In the future, when we go to save money, we must pay attention to the five do's and three don'ts principles, so as not to suffer more losses.
After all, no one's money is blown by the wind. It's so hard to make money now. In addition, we have also developed the habit of saving money,
One is to save enough pension money for yourself. In addition, when you are sick or have something to do, and you need money urgently, you can also take it out for emergency.
So when we go to the bank to deposit money, we must do five do's and three don'ts. Let's take a look at what are these five first?
First, when we go to handle the deposit business, we must go to the counter to handle it. Try not to deposit money at ATMs.
Because there was a problem in the process of depositing money at the ATM. You can only call customer service to solve the problem. This is more troublesome.
When we deposit money at the counter, we do it face-to-face with the staff, and the staff will answer our questions. Or help us with the problem.
Second, we need to keep the money in a passbook or deposit certificate.
This is because the date of deposit will be recorded in the passbook. Details of the deposit amount and more. This proves that the money is a deposit. It is not used to buy other financial products.
Here the elderly should pay special attention, because like smartphones, or some protocols. For middle-aged and elderly people, it is very difficult. If you're not careful, you'll suffer.
Only when you hold the deposit in your hand and see the information in black and white, can you feel at ease.
Third, after we deposit the money, we must carefully and carefully check it repeatedly, is it a deposit written on the list information?
If it's financial management, or something else. Be sure to get the staff to change back as soon as possible,
If it takes 10 days and half a month for you to find out. The content of the certificate of deposit is not a deposit, and it will be troublesome to change it back at that time, and we may even enter the judicial process.
Fourth, when we go to make a deposit, we must look at the bank, whether there is such a deposit insurance logo in a conspicuous position.
Banks with this logo indicate that our deposits are protected by insurance companies.
If the bank has some operational risks or fails. We can't get the money out. The insurance company will compensate us within a certain range. So that our money will not be lost.
Fifth, let's not keep all our money in one bank.
It is best not to have more than 500,000 deposits in a bank. Although as we said earlier, the insurance company will compensate for it. The maximum compensation amount is only 500,000.
So keep your money in a different bank. to reduce risk. The above are the five things we need to do when depositing.
In addition, there are three don'ts. What is it?
First, when we go to deposit a fixed deposit, don't choose to automatically roll over the money.
If you tick the auto-rollover, your deposit will be automatically credited to the next stage at maturity.
At each stage, the interest on the deposit is different. Automatic dumping may not necessarily maximize your benefits.
The best way to do it. That is, after expiration, take out the money with interest. Check with the staff for the most up-to-date fixed deposit information to ensure that you are maximising your benefits.
Second, we make fixed deposits, don't choose too long.
Although it is said that the longer it is, the higher its interest will be. But if you need money urgently, you have withdrawn your fixed deposit. Then you won't get interest on this money.
If you have 100,000 yuan in hand, I recommend saving 70,000 yuan for a three-year term. 30,000 for a one-year term.
If you need money urgently, the loss of interest will not be too large.
Third, we should not blindly pursue high interest rates when saving money.
Because there are small banks, they want to attract depositors to deposit money. will raise the interest rate. They will even give you small gifts.
Many middle-aged and elderly people cannot withstand such temptation. So they put the money in these small banks. What they don't know is that deposits are very risky in these small banks.
He does not have the support of the state like the Big Four. If these small banks fail to do well, it will be very difficult for depositors to get their money back.
Therefore, it is recommended that everyone deposit their money in the big four banks. is the safest. The above five do's and three don'ts principles must be kept in mind when we go to deposit in the future.
It may be that the actual situation of each of us is different. When we save money, it is necessary to plan well.
What do you think about this? Please leave a message in the comment section.