A bank deposit is both a guarantee of the safety of your funds and a way to increase your savings. Opening a deposit in the bank takes no more than one day, taking into account the choice of the bank.
It is necessary
- - the Internet;
- - telephone
Instructions
Step 1
Decide on the currency of the deposit. Check which of the banks in your city has the best exchange rate and exchange money in advance. The bank where you intend to open a deposit may not be the best exchange rate.
Step 2
Decide on the term and type of deposit. Make a decision based on whether you plan to use the funds in the bank, or are ready to "freeze" them for the entire term of the deposit. Also, pay attention to the replenishment deposits. They will allow you to add additional amounts of money to the main deposit.
Step 3
Select a bank. Special information portals on the Internet, such as Banki.ru, have the necessary information about what conditions are now offered by various commercial banks in the city.
Step 4
Go to the bank's website and select the branch that is most conveniently located. You will most likely be able to carry out most of your banking operations using ATMs, internet banking, and other branches and outlets. But such important actions as opening and closing a deposit, writing powers of attorney, etc. you will have to exercise in this particular department. Therefore, it is better to choose a bank office as close as possible to the place of residence.
Step 5
Call the bank branch of your choice and specify the opening hours and the possibility to open the deposit of your choice. There is a risk that the information provided on the site will turn out to be inaccurate or outdated. In this case, a call to the bank will insure you against unpleasant surprises.
Step 6
Prepare money and documents. In the bank, you first need a passport in order to draw up a contract. And only then you will be invited to the cashier to deposit money. Therefore, put the document separately from the money, you will have to get it out in public. Count the money and put it in a separate envelope.
Step 7
Carefully read the agreement for opening a deposit, do not hesitate to ask the manager all your questions. If you find that a free card, a gift or the opportunity to participate in a prize drawing is issued for this deposit, do not forget to ask a specialist how you can get a gift.
Step 8
Find out all the ways to deposit and withdraw cash. Find out how to use the Internet bank and ATMs.
Step 9
Record the expiration date of the deposit in your diary. This will allow you to prepare in advance with a possible change of bank and type of deposit, without wasting time and money.
