When opening a deposit in the bank, the client must clearly decide for himself for how long he leaves money in the account, and how he will receive dividends (monthly or at the time of closing the deposit). In addition, banks are often asked to warn in advance about the intention to withdraw money on the deposit in order to minimize their own losses. How to get the due dividends on the previously opened deposit?
It is necessary
passport, deposit agreement, bank account number
Instructions
Step 1
Contact the bank a few days before the expected date of withdrawal of money and write an application for early closure of the deposit, if its validity has not yet passed. Ask for a photocopy of the application. For example, the deposit was opened on April 1 for a period of three months. If the client wants to withdraw money on June 1, he is obliged to write an application for early closure of the deposit. In this case, the bank loses assets, therefore, over the past month, interest may be reduced to almost zero. If you withdraw dividends on the day of closing the current account on the deposit, you do not need to write an application and contact the bank in advance. The accumulated interest and the amount of the deposit are automatically reserved in the bank on the client's account. If you plan to withdraw a large amount of money from the deposit (200 thousand rubles or more), a preliminary appeal is required. In his application, the client can indicate not only the amount that he will withdraw, but also the denomination of the bills with which he would like to receive the deposit and interest on it.
Step 2
Ask the bank for the date of approval of the application and receipt of funds. Most likely, the application will be reviewed within the next business day. The money must be transferred to the account within one more business day. In a maximum of seven days, the client will receive the amount of the deposit and dividends. This time interval is provided for by the Civil Code.
Step 3
Prepare in advance a passport for identification, a deposit agreement, which can be referred to in case of refusal to pay dividends, as well as the number of the current account from which funds are planned to be withdrawn. It is advisable to have a photocopy of the application accepted by the bank with you.
Step 4
Contact the bank with a prepared package of documents. As a rule, the bank pays dividends no later than the next day when the client came to the bank to receive funds.
