Sometimes, to close a deposit, you need to be present at the branch in person. In some situations, you need to go to the same office where the agreement was concluded. If you are going to withdraw a large amount of cash, you must notify the bank. Otherwise, the cash desk may not be able to issue your funds. As a rule, you can transfer them to a card without restrictions.
Depending on the specifics of the contract and the circumstances, the presence of different persons may be required:
the depositor or the authorized representative, if this is the client’s personal deposit;
parents or guardians of a minor child, if the account is opened in his/her name;
the client's heirs in the event of his death.
Each category will require its own documents. In any case, you shandong mobile number database will need to present a passport. If another person comes to collect the funds instead of the client, a power of attorney will be required. Guardians and parents of a minor may need permission from the guardianship authorities. Heirs may need a whole list of documents: a death certificate, proof of kinship, a will or other papers that confirm ownership.
If you plan to withdraw money at the end of the contract, you need to pay attention to some details. Most often, the date specified in the terms is the last day when the deposit is still valid. The funds should be withdrawn the next day, otherwise you can formally violate the terms of the contract, which will lead to a recalculation of profit. Thus, you can comply with the terms throughout the entire term, and lose all interest on the last day. Perhaps the organization will meet you halfway, but by law it is not obliged to do so.
Some programs provide a recalculation scale for early withdrawal. If you withdraw money a month after opening the account, you earn very little. And if in the last days, you get a big profit. But it is still less than under the basic terms of the agreement.
It is important to take into account that deposits are not closed on weekends. Even if the last day according to the agreement falls on Saturday, funds should not be withdrawn before Monday.