Many people can receive a certain amount of pension every month according to regulations after resigning from their original positions. Most people have the savings accumulated over the past few decades. How to store this money to ensure the security of the funds, and even make money make money, has become a problem. Judging from the current situation, most elderly people prefer to put them in the bank and make money. There is also a strange phenomenon here, that is, after the bank's regular expiration expires, some people go to withdraw money, but the bank staff informs that they do not have the conditions to take it out. This makes people who are preparing to deposit a fixed period of time afraid. In fact, there is a reason for not being able to withdraw it. Below I have summarized 3 common withdrawal errors for you. Let’s see if you are hit:
first, without making an appointment in advance
The bank’s daily turnover is very large. If the deposited amount is a small amount, they can give it to customers at any time, but if the number is relatively large, the staff must prepare in advance to avoid affecting the smooth operation of cash flow . Whether the number is small or large is not our final say, but there is a specific judgment standard. Generally speaking, 50,000 yuan is a dividing line. According to relevant regulations, if you withdraw cash exceeds 50,000 yuan or more, you should call the bank one day in advance to inform the bank. If it is convenient, you can also come to the counter to make an appointment in person. If you fail to comply with the regulations and nothing unexpected happens, financial institutions will definitely not be able to accommodate them. After all, they have too many customers. If everyone "airborne", uneven distribution will inevitably occur. We should also express our understanding of this and must cooperate with our work. Only in this way can the order in all aspects of society become more and more standardized.
Second, there is no exchange rate for other places.
Generally, after the funds are deposited regularly into financial institutions, the bank will default to exchange rate for , which means that no matter which city the money is deposited, it can be withdrawn from the same institution in any city in the future. But some banks do not agree, or have mistakenly chosen something when signing the contract, which makes the deposit unable to be deposited and withdrawn in another place. It depends on how you choose. If you often travel around the world, or choose the city you live in according to the climate, or often run between your hometown and the city where your children are located, it is naturally more convenient to choose to repay the funds; if you are afraid that your personal funds are not safe, you can choose to only deposit and withdraw locally.
Third, incomplete information preparation
Financial institutions have encountered more scams, so they pay more attention to the safety of the people's funds. According to regulations, if you want to withdraw the funds after the period expires, you need to bring your ID card, certificate of deposit or passbook to withdraw the money. Without any one, it is impossible to prove the identity of an individual. In order to ensure that no mistakes occur, the staff of the corresponding bank generally will not "go through the back door" to allow us to get the money smoothly even if they know who we are.
is also here to remind everyone that important receipts and other things must be saved well, so that they can avoid a lot of trouble. If we can't find it, we must make a replacement as soon as possible to avoid being taken away by people with ulterior motives. This will bring our funds to safety, but we will not be well protected. Also, depending on the actual situation of each institution, sometimes the necessities to carry vary. In order to reduce trouble, before withdrawing funds, it is best to ask some staff members or people with experience around us.
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