Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate can't be reported loss. The passbook must be registered. The registered certificate or passbook can be reported loss.
定活两便储蓄存款是指不确定存期,起存金额为50元人民币,开户后由储蓄机构发给存单或存折,存户凭存单(折)存取款,存取金额不受限制的一种储蓄方式。存单有两种类型:记名存单和不记名存单。不记名存单不能挂失。存折必须记名,记名存单(折)可以挂失。
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