When opening a deposit in a bank, a person must clearly define for how long he plans to leave funds in the account, and how he will receive dividends on them - every month or at the time of closing the deposit. In addition, it should be borne in mind that some banks often ask customers to warn in advance about the desire to withdraw money from the deposit in order to minimize their losses.
It is necessary
- - passport;
- - deposit agreement;
- - current account number.
Instructions
Step 1
To receive money, contact the bank branch with the following documents: passport, deposit agreement and current account number.
You should contact the bank some time before the planned date of withdrawal of funds.
Step 2
Write a statement about early closure of your deposit, if the deadline for its completion has not yet passed. It is worth asking to make a copy of the application. For example, if an individual opened a deposit on May 1 for a three-month period, and he wants to withdraw money on July 1, then it is necessary to write a corresponding statement in the bank branch about early closing of his deposit. In this case, the bank loses assets, therefore it reserves the right to reduce the interest on this deposit for the last month, down to zero.
Step 3
If, however, you withdraw dividends on the day of closing your current account, then you do not need to write a special application and contact the bank in advance, since the accumulated dividends, like the entire deposit amount, are automatically reserved in the client's account.
Step 4
If you plan to withdraw a large amount of money from the deposit (from 200 thousand rubles or more), preliminary contacting the bank is mandatory. In the application for withdrawing funds, indicate not only the amount you plan to withdraw, but also the denomination of the desired bills.
Step 5
When submitting the relevant application, specify the date of its approval and receipt of money. Often, such applications are considered by bank specialists no later than the next business day. The money is transferred to your account within one more business day. Thus, you will receive money from your deposit in a maximum of seven days.
Withdrawal of dividends can also be ordered by phone or fax, without visiting a bank branch in person.
