Can I withdraw money from my passbook during the epidemic? How can I withdraw money from my passbook during the epidemic?

We all know that during the epidemic, many places have temporarily suspended service operations, especially the service industry and life-related businesses. Some people need to withdraw money when the money in their passbooks expires. So can you withdraw money from your passbooks during the epidemic? Let's take a closer look!

Can I withdraw money from my passbook during the epidemic?

During the epidemic, passbook services can still be processed. In addition, many banks have launched humanized services, such as automatic extension of fixed deposits, etc.

During the epidemic, banks are still open. Banks are public social service enterprises, and although they have been affected to some extent, they are still open.

Due to staff restrictions in some areas, some small outlets may be temporarily closed, but larger outlets will continue to operate as normal. If it is really necessary, you can go to a larger business department or branch to handle the corresponding business.

Summary: The banking and financial industry is an important guarantee service for social economy. During the epidemic, passbook business can still be handled.

Some banks allow you to withdraw money from your current account at an ATM. For example, China Construction Bank has opened the ATM passbook withdrawal function. After withdrawing money, customers can go to the bank at another time to register the transaction record. However, some banks do not have this function, so if the situation is urgent, you can consult customer service or go to the ATM to try.

Card-passbook combined accounts are almost unaffected. This type of current passbook account is mainly opened for retired elderly people. In order to reduce the pressure on the counter and make it easier for elderly people to accept and feel safe, many banks have launched card-passbook combined products. Therefore, customers of this type of account can use the associated debit card to withdraw money directly from the ATM, and go to the bank to re-register the passbook after the epidemic is over, so that the printed balance of the passbook is consistent with the actual balance.

How to withdraw money from passbook during the epidemic

It is safer to deal with each situation separately, and there will not be any major losses.

1. Urgent need for money: You can go to the bank with your passbook and handle it in the business hall. If the small branch is not open, you can go to a larger branch or a larger business hall to handle it.

2. Collecting salary: If it is really necessary, you can go to the business hall or ATM to handle it with your passbook.

For example: (Take the Postal Savings Bank as an example, the ATM can handle the whole process) Mr. Wang, who had not been out for more than ten days, had spent all his money, so he took his passbook to collect his pension. He came to the bank, put his passbook in the ATM machine wearing gloves, and made a supplementary registration. Then he directly withdrew the money with the passbook and put the money in a plastic bag. After returning home, he removed the plastic bag and gloves, and put the money in the sun for a while. He was very happy and called the supermarket to deliver vegetables, and he had a safe and hearty meal again.

3. Deposits: You can temporarily not withdraw or renew your deposits after the expiration date. Currently, several major banks have issued announcements.

For time deposits due during this period, they can be extended to early March at the original interest rate. There is no interest loss and it is safe, which is very user-friendly.

Summary: Passbook business can still be handled during the epidemic. Try to classify it and pay attention to details, which is more conducive to safety.

There are two ways to deal with the expiration of passbooks during the epidemic

1. Expired passbooks will be automatically transferred to current accounts, which means that during this period your fixed deposit interest rate may be reduced to the current account interest rate;

2. If the deposit amount is large, you can apply for a new fixed deposit through online banking as soon as possible to avoid affecting the deposit interest. In general, no matter how much money you have, as long as it expires, it is recommended to renew it through online banking, so as to ensure that your income is maximized.

What to do when bank deposits mature during the epidemic

The five major state-owned banks stated that during the epidemic, time deposits can be automatically extended upon maturity and interest will be calculated at the original interest rate until March 31.

The five major state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Postal Savings Bank of China, have all issued announcements stating that they will automatically extend the maturity period for personal time deposits in RMB and foreign currencies held by users. The banks will calculate interest at the original interest rate until March 31, 2020. After the epidemic stabilizes, users can go to the branches to handle withdrawals and subsequent business.