Personal Banking
Personal Savings
Time deposit of lump-sum deposit and withdrawal/call deposit/small savings for lump-sum withdrawal
The time deposit of lump-sum deposit and withdrawal/call deposit/small savings for lump-sum withdrawal offers stable interest with principal guaranteed and a rate higher than that of current deposit. For the time deposit of lump-sum deposit and withdrawal, you may select the deposit term and the renewal method according to your needs. The small savings for lump-sum withdrawal is a savings plan that may vary according to your different requirements in different periods and may help you realize your short-term or long-term life goals early. To withdraw the call deposit, you shall notify the Bank in advance and then withdraw the money on the agreed date.
The time deposit of lump-sum deposit and withdrawal/call deposit covers RMB, foreign currency cash, and foreign currency exchange. At present, the time deposit of lump-sum deposit and withdrawal/call deposit of foreign currency cash/exchange is applicable to many foreign currencies including the USD. The small savings for lump-sum withdrawal is currently applicable to RMB only.
Current deposit account
China Bohai Bank will provide you with convenient and safe saving account services and you may deposit or withdraw cash in or from your account at any time. Current deposit accounts include RMB personal savings account, RMB personal settlement account, current deposit account of foreign currency cash, and current deposit account of foreign currency exchange. At present, the current deposit account of foreign currency cash/exchange is applicable to many foreign currencies including USD.
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RMB current deposit account |
RMB personal settlement account |
Current deposit account of foreign currency cash/exchange |
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·Only cash may be withdrawn or deposited ·The interest shall accrue quarterly based on the savings deposit balance of each day according to the provisions of the People’s Bank of China |
·If you need transfer funds, make payment, or receive payment via an account, you may open a personal current deposit account with the function of settlement in addition to the basic functions of a RMB current deposit account ·The functions of a personal settlement account include receipt of salary, depositing with check, foreign currency exchange, loan repayment, settlement of debit card ·The interest is computed in the same manner as the RMB current deposit account ·The interest shall accrue quarterly based on the savings deposit balance of each day according to the provisions of the People’s Bank of China |
·Since Chinaadopts the foreign exchange control policy, the use of a foreign currency savings account must comply with relevant provisions of the State Administration of Foreign Exchange and the deposit and withdrawal of personal account must comply with the provisions of the State Administration of Foreign Exchange on application and amount limits |
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Service facilities for current accounts |
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·We will issue a passbook for each current account so that you can check your transaction records ·You may apply for a RMB debit card of the Bank while opening your personal account and may inquire your account balance, withdraw cash, and transfer funds to any other account of the Bank at any time via an ATM of the Bank or other bank. |
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Welcome to open accounts
The formalities for opening a personal account with China Bohai Bank are very simple. If you are 16 years old or above, you may open an account by presenting your ID certificate and completing the application for personal account (any customer under the age of 16 may open the Fantastic Account which is specially designed for children).