In life, many depositors usually deposit some of their idle funds into the bank, and sometimes they will apply for regular and large-denomination certificates of deposit . Sometimes, for convenience, they will apply for current deposits. Of course, whether they are fixed or current deposits, depositors need to withdraw them from the bank in the end. The difference is that taking them out after the time deposit expires can obtain a higher rate of return. On the contrary, if the deposit does not expire, withdraw the money, the rate of return will drop significantly. Therefore, most depositors who handle time deposits will not withdraw money from the bank before the deposit expires. Of course, it doesn’t matter if the current deposit is low, because the interest rate of current deposit is relatively low and depositors can deposit and withdraw and transfer at any time. So, when depositors go to the bank counter and ATM to withdraw money, how much money can they withdraw in one day?
First of all, almost every bank has a certain amount of working capital and prepares for customers who come to the bank to withdraw money every day. Especially for the withdrawal funds of several thousand or 10,000 or 20,000 yuan, depositors can go to the bank counter or ATM to handle withdrawal business without making an appointment in advance. On the contrary, when depositors want to withdraw large amounts of funds, they need to make an appointment with the bank in advance, otherwise they will not be able to withdraw large amounts of funds within one day. The reasons are many. Usually, banks have set upper limits for individual withdrawal business, mainly considering security, serving each customer well and standardizing factors.
Secondly, when depositors go to the counter to handle withdrawal business, the upper limit of funds that can be withdrawn when depositors go to the counter to handle withdrawal business is higher than that of ATMs. According to the current withdrawal limits of major domestic banks, as ordinary depositors go to the counter to handle withdrawal business, they can withdraw up to about 50,000 yuan in one day without making an appointment in advance, and the Bank of China ht is a common in life. The same is true for ml4, Agricultural Bank of China and Huaxia Bank . Depositors withdraw up to 50,000 yuan in cash within one day without reservation. When depositors withdraw money at the ATM, the maximum withdrawal amount in one day is 20,000 yuan, and they cannot be added. Generally, depositors withdraw money at one time from RMB 2,000 to RMB 5,000 is normal, but it is impossible to withdraw 30,000 yuan from a bank card in one day on the ATM, unless depositors go to the counter to handle withdrawal business.
Of course, although most banks can withdraw up to 20,000 yuan in a day on ATMs, when depositors have two savings cards from different banks, they can actually withdraw up to 40,000 yuan from ATMs in a day, because the maximum withdrawal limit of a bank card on the ATM is 20,000 yuan. Therefore, when there are two or three bank cards, they can withdraw up to 40,000 or 50,000 yuan.
In short, according to the bank's "large-value cash payment management" regulations, depositors need to make an appointment in advance when handling large-value withdrawal business. Moreover, as long as depositors make an appointment in advance, it is not a problem to withdraw 80,000 or more than 100,000 yuan at one time when going to the bank counter to handle withdrawal business, because the bank will prepare the corresponding funds in advance according to the customer's appointment. On the contrary, without making an appointment in advance, depositors can withdraw up to 50,000 and 20,000 yuan in a day when they go to the bank counter and ATM to withdraw money respectively.
