Personal   Banking
Personal Loan
Investment and Financing
Convenient Banking
Cross-border Financial Services
  Current Deposit
  Lump Fixed Deposit
  All-in-one Current Account
  All-in-one Fixed Account
  RMB Installment Fixed Deposit
  RMB Annuity Savings Deposit
  RMB Renewal & Interest Payment Deposit
  RMB Time-Demand Deposit
  RMB Education Deposit
  Fixed-Current Link
  Personal Call Deposit
  Petty Account Cancellation
  Report Loss and Password Reset
Personal E-banking Business
ICBC Salary Manager
Star-rated Services for Personal Customers
Personal Consolidated Bonus Point Service
VIP Services
  Home Page > Personal Banking >Deposit >RMB Annuity Savings Deposit
RMB Annuity Savings Deposit

☆ Introduction
Annuity Savings Deposit refers to a service that customers set deposit terms and withdraw modes when making deposits; and they deposit principals at one time and withdraw principals and interests at different times.

☆ Minimum deposit amount and deposit terms
The minimum deposit amount of Annuity Savings Deposit is RMB 1000. The Annuity Savings Deposit terms are one year, three years, and five years respectively.

☆ Features
1. Multiple principal withdrawals are available and the withdrawals are made flexible.

2. The funds can be used to pledge loans.

Deposit interest rates
The interests will be paid according to the different deposit terms of Annuity Savings Deposit interest rates announced at the day when the deposit is made. The interests of Annuity Savings Deposits will be cleared up when the principals are gone; the interests will not be calculated in different interest timeframes even if there are some interest rate adjustments.

☆ Service channel
1. Account opening: banking outlets.

2. Withdrawal: banking outlets

3. Inquiries: banking outlets, Internet Banking, Telephone Banking, ATM, Mobile Banking, and self-service terminals.

☆ Operation guide
1. Account opening: customers need to go to banking outlets with valid IDs to apply for opening Annuity Savings Deposit accounts. If the customers entrust other people to open the accounts for them, the entrusted agents are required to provide their own IDs at the same time.

2. Withdrawal: customers can just withdraw at ICBC banking outlets with their bank cards or passbooks.

The above is for reference only. Details refer to the rules drawn up by local ICBC branch. To save your time, please call your local ICBC before applying for the service.