The time Deposit is a method of bank deposit with a definite date of maturity¹, made for one time or by many times on schedule （during the appointed deposit term），or withdrawn² together with the interest in a lump sum or by installment³.

　　According to the way of deposit and withdrawal⁴, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings⁵ for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit,etc.

　　定期储蓄是在存款时约定存期,一次或按期分次（在约定存期）存入本金，整笔或分期支取本金利息的一种储蓄形式。

　　按存取方式定期储蓄分为整存整取定期储蓄存款、零存整取定期储蓄存款、存本取息定期储蓄存款、整存零取定期储蓄存款等。

　　I.Definition

　　Time deposit of small savings for lump-sum withdrawal refers to savings deposit whose terms are agreed, and whose fixed⁶ amount is deposited every month when opening an account. The minimum amount of deposit is 5 RMB yuan and the maturities⁷ range from three grades: 1 year, 3 years and 5 years.　

　　一、定义　

　　零存整取定期储蓄存款是指开户时约定存期，每月固定存额，起存金额为5元人民币，存期分一年、三年、五年的一种储蓄存款形式。

　　II.Service Features

　　1. Such deposit is deposited monthly with a certain amount of deposit, and suitable for depositors with fixed income.

　　2. Time deposit of small savings for lump-sum withdrawal has the characteristics of long maturity and high interest rate, and suitable for depositing of savings that will not be used within a quite long period of time, which is specifically meet the depositor’s needs for accumulated funds on schedule.　

　　3. The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed⁸ at the same rate on the lump-sum deposit & withdrawal time deposit. If there is any omission⁹ of deposit within the agreed period, you must make up the amount next month. Falure to make it up, the interest will be calculated on the real amount of deposit and the real deposit term, and the interest rate will accord to the rate on savings deposit at the time of withdrawal.　

　　二、业务特点

　　1、零存整取定期储蓄存款逐月存储，存款金额固定，适合有固定收入的储户。

　　2、该种储蓄具有期限长、利率高的特点，适用于较长时期不用的节余款项的存储，特别适合于储户按计划积累资金的需要。

　　3、存款金额由储户自定，每月存入一次，到期支取本息，其利息计算方法与整存整取定期储蓄存款计息方法一致。中途如有漏存，应在次月补齐，未补存者，视同违约，对违约后存入的部分，到期支取时按实存金额和实际存期，以活期利率计算利息。

　　III. Procedures for Account Opening　

　　1.In opening an account of time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her ID card or other valid¹⁰ credentials¹¹.　

　　2.Such deposit may be withdrawn fully¹² or partly prior to maturity for once, or, upon authorization¹³ in advance, and handled on agency renewal¹⁴ of depositing upon maturity by the bank.　

　　3.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook¹⁵. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.

　　三、开户手续

　　1、开立零存整取定期储蓄存款账户时，储户可凭其身份证或其他有效身份证件。

　　2、本存款可允许全部或部分提前支取一次，也可预约由银行代办到期转期续存。

　　3、开户时可选择凭密码取款或凭存折取款方式，如选择凭密码取款方式，储户须当场在柜台上的密码器上输入一个6位数字作为账户的密码。