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Lump-Sum Term Deposit


 

Name

Lump-sum term deposit (product form: term all-in-one account and term deposit receipt)

Introduction

I. Term all-in-one account: It refers to a savings deposit method where multiple currencies and savings terms are available on just one passbook. No matter whether it is RMB or foreign currency term deposit, you just need one passbook to handle the business; the passbook shows information clearly and understandably, and is easy to keep.

Functions:

1. Lump-sum term deposits and call deposits for various terms in RMB.

2. Lump-sum term deposits and call deposits for various terms in as many as eleven foreign currencies: Great Britain Pound (GBP), US Dollar (USD), Hong Kong Dollar (HKD), Swiss Franc (CHF), Japanese Yen (JPY), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD) and Singapore Dollar (SGD).And both foreign currency cash and spot exchange deposit are available.

3. After the passbook is linked to Great Wall Debit Card, you can handle relevant business at the counter against the debit card, and can apply for phone banking service, online banking transfer and inquiry services.

II. Term Deposit Receipt

It is a savings deposit method where the savings term is agreed upon by the customer and the bank, the principal is deposited in lump sum, and the principal and interest will be withdrawn in lump sum at maturity. It exists in the form of deposit receipt, and with the term deposit certificate, the customer can handle deposit and withdrawal business and automatic renewal at maturity at any branches of Bank of China.

Business characteristics: one passbook can be used for multiple currencies and term deposits.

1. One passbook can replace thirty deposit receipts, so it is easy to carry and keep.

2. It is generally applicable to RMB and foreign currencies.

3. The customer can handle deposit and withdrawal business at any branches of Bank of China. Savings term of RMB can be divided into three months, six months, one year, two years, three years, and five years; Savings terms of foreign currencies can be divided into one month, three months, six months, one year and two years.

Target Customers

It is applicable to all the PRC residents, residents of Hong Kong, Macau and Taiwan, expatriates residing in and outside the PRC, Chinese of foreign nationality and overseas Chinese with their valid identity documents approved by the real-name system.

Process

The customer goes through relevant procedures at the counter of any branches of Bank of China with relevant identity documents.

Required Identity Documents

1. The PRC residents

Resident ID card/temporary ID card/Hukou book/military ID card/armed police ID card/Chinese passport.

2. Residents of Hong Kong, Macau and Taiwan

Re-entry permit/mainland travel permit for Taiwan residents or other valid travel passes.

3. Foreign nationals (expatriates, Chinese of foreign nationality and overseas Chinese)

Passport/China passport held by Chinese of foreign nationality/residence permit for expatriates.

Kind Reminder

1. Each term all-in-one account can hold a total of 60 term deposits.

2. The minimum initial deposit for opening an account is RMB 50 or the equivalent of RMB 500 in foreign currencies.

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