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　

　　Lump-sum saving for small withdrawal time deposit refers to savings deposit whose principal is deposited at a time with the minimum amount of 1,000 RMB yuan. The maturities⁶ range from three grades: 1 year, 3 years and 5 years.　

　　一、定义

　　整存零取定期储蓄存款是指一次存入本金，起存金额为1,000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.Lump-sum saving for small withdrawal time deposit 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.　

　　2.The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed⁷ at the same rate on the lump-sum deposit & withdrawal time deposit. The savings office will issue a deposit passbook⁸（certificate） to him, with which the depositor can withdraw the principal by installment, or at a time by every month, 3 months or 1/2 year in the drawdown period, which can be negotiated between the savings office and the depositor. The interest is paid when the deposit is due.　

　　3.Lump-sum saving for small withdrawal time deposit 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.

　　二、业务特点

　　1、整存零取定期储蓄存款具有期限长、利率高的特点，适用于较长时期不用的节余款项的存储。

　　2、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。由储蓄机构发给存单（折），凭存单（折）分期支取本金，支取期分一个月、三个月、半年一次，由储户与储蓄机构协商确定，利息于期满结清时支取。　

　　3、整存零取定期储蓄存款具有期限长、利率高的特点，适用于较长时期不用的节余款项的存储。　

　　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 his or her ID card or other valid⁹ credentials¹⁰.　

　　2. Such deposit may be withdrawn fully¹¹ or partly prior to maturity for once, or, upon authorization¹² in advance, and handled on agency renewal¹³ of depositing upon maturity by the bank.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 passbook. 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、开立整存零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。