多家银行争推个人智能通知存款

Banks contend for pushing personal notice deposit

Although current account can access at any time, but the interest is low; Financial product yield is higher but liquidity limit, once needed money hard to "redeem". How to make money can flexible access to the account and can gain relatively considerable income? Now many Banks launched personal notice deposit, it can help.

With bank of China, recently launched a new intelligent personal notice deposit products, for example, customers only need to dot the counter signed an agreement, when a personal account of RMB 50000 yuan and over amount, don't change for seven days and funds, the bank will automatically funds of the customer's account in accordance with the 7 days notice deposit interest at a pre-determined rate. Current bank deposit interest is 0.35%, and seven days notice deposit interest rate is 1.35%, to 3.85 times of the former. Interest to improve at the same time, still can withdraw at any time, also ensure the liquidity of capital.

Before the bank of China, bank, industrial bank, ping an bank institutions launched smart notice deposit business, generally has asked to account balances, generally the lowest needs a $50000 credit to apply for.

Staff of the societe generale, to deal with smart notice deposit a lot of customers, especially the three-way pipe customers, wealth management, can guarantee the liquidity at the same time receive relatively high returns. Customers can be in the office with, also can on the online banking application. This staff also reminded investors, to see when dealing with the treaty, societe generale, for example, application of intelligent notice deposit, customers are required to set aside money, because the monthly mortgage payments, fund to be cast surely fail notice deposit deduction. Once reserved money is zero or too small, will cause the customer not deductions or cause arrears, personal credibility will be compromised.