什么是零存整取

　　The time Deposit is a method of bank deposit with a definite date of maturity, made for one time or by many times on schedule (during the appointed deposit term)，or withdrawn together with the interest in a lump sum or by installment.

　　According to the way of deposit and withdrawal, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit,etc.

　　定期儲(chǔ)蓄是在存款時(shí)約定存期,一次或按期分次(在約定存期)存入本金，整筆或分期支取本金利息的一種儲(chǔ)蓄形式。

　　按存取方式定期儲(chǔ)蓄分為整存整取定期儲(chǔ)蓄存款、零存整取定期儲(chǔ)蓄存款、存本取息定期儲(chǔ)蓄存款、整存零取定期儲(chǔ)蓄存款等。

　　I.Definition

　　一、定義

　　Time deposit of small savings for lump-sum withdrawal refers to savings deposit whose terms are agreed, and whose fixed amount is deposited every month when opening an account. The minimum amount of deposit is 5 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years.

　　零存整取定期儲(chǔ)蓄存款是指開戶時(shí)約定存期，每月固定存額，起存金額為5元人民幣，存期分一年、三年、五年的一種儲(chǔ)蓄存款形式。

　　II.Service Features

　　二、業(yè)務(wù)特點(diǎn)

　　1. Such deposit is deposited monthly with a certain amount of deposit, and suitable for depositors with fixed income.

　　1、零存整取定期儲(chǔ)蓄存款逐月存儲(chǔ)，存款金額固定，適合有固定收入的儲(chǔ)戶。

　　2. Time deposit of small savings for lump-sum withdrawal has the characteristics of long maturity and high interest rate, and suitable for depositing of savings that will not be used within a quite long period of time, which is specifically meet the depositor’s needs for accumulated funds on schedule.

　　2、該種儲(chǔ)蓄具有期限長、利率高的特點(diǎn)，適用于較長時(shí)期不用的節(jié)余款項(xiàng)的存儲(chǔ)，特別適合于儲(chǔ)戶按計(jì)劃積累資金的需要。

　　3. The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed at the same rate on the lump-sum deposit & withdrawal time deposit. If there is any omission of deposit within the agreed period, you must make up the amount next month. Falure to make it up, the interest will be calculated on the real amount of deposit and the real deposit term, and the interest rate will accord to the rate on savings deposit at the time of withdrawal.

　　3、存款金額由儲(chǔ)戶自定，每月存入一次，到期支取本息，其利息計(jì)算方法與整存整取定期儲(chǔ)蓄存款計(jì)息方法一致。中途如有漏存，應(yīng)在次月補(bǔ)齊，未補(bǔ)存者，視同違約，對(duì)違約后存入的部分，到期支取時(shí)按實(shí)存金額和實(shí)際存期，以活期利率計(jì)算利息。

　　III. Procedures for Account Opening

　　三、開戶手續(xù)

　　1.In opening an account of time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her ID card or other valid credentials.

　　1、開立零存整取定期儲(chǔ)蓄存款賬戶時(shí)，儲(chǔ)戶可憑其身份證或其他有效身份證件。

　　2.Such deposit may be withdrawn fully or partl

　　y prior to maturity for once, or, upon authorization in advance, and handled on agency renewal of depositing upon maturity by the bank.
　　2、本存款可允許全部或部分提前支取一次，也可預(yù)約由銀行代辦到期轉(zhuǎn)期續(xù)存。

　　3.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.

　　3、開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，儲(chǔ)戶須當(dāng)場在柜臺(tái)上的密碼器上輸入一個(gè)6位數(shù)字作為賬戶的密碼。