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Personal Banking > Saving > RMB Savings
RMB-Savings

A kind of savings in the form of Hua Xia bank card (Hua Xia card, Hua Xia Sinobeauty Card, Hua Xia Gold Card) and savings passbook where principal is deposited one time, principal is withdrawn one time and interest is paid by installment at maturity. Initial minimum is RMB 5,000 yuan, no ceiling. Interest is paid once a month or several months. Deposit periods can be one year, three years or five years.

Features:
1. Stable: No changes to the amount during deposit period, only draw interest at specified period.
2. Flexible yet with return: Principal remains unchanged, interest can be drawn in periods. Flexible to use money yet enjoy higher interest earnings than current savings.

Benefits:
Interest will be accrued at the rate of the deposit of the same term quoted on the date of opening the account.
Frequency and date of drawing the interest must be agreed between you and Hua Xia Bank first. No interest can be drawn in advance, only on the date agreed. Interest not drawn on the specified date can be drawn anytime later, no compound interest however. Interest drawing date follows by month to month, day to day.
Interest drawn every time = (Principal x deposit period x interest rate) ÷ frequency. Full withdrawal in advance will have interest accrued at the rate of current savings quoted on the date of withdrawal minus interest paid.

Applicable Clients: 
Chinese residents who hold a certain sum in a certain period and have enough just to spend on the interest.

Service Channels:
If you choose to use Hua Xia passbook, at Hua Xia outlets you can open or close the account, deposit or withdraw cash, transfer, remittance, check accounts, report loss verbally or in written, and change password. Through Internet Banking you can check account and report loss verbally. Through Customer Service Center (Phone Banking) you can check account, change password, and report loss verbally. If you choose to use Hua Xia card, at Hua Xia outlets you can open account, check account and draw cash. At Self-Service Banking, Customer Service Center (Phone Banking) and Internet Banking, you can check accounts in the card.

How to Apply?
1. Open Account: Open the account at Hua Xia outlets with your valid ID and collect passbook or Hua Xia bank card.
2. Draw Cash: Only early withdrawal of principal in full, no partial withdrawal Valid ID must be presented for withdrawal over RMB 50,000 in advance or at maturity. Large withdrawal must be arranged with Hua Xia Bank first by appointment in order to prepare enough cash.
3. Close Account: Cancel the account or renew, if necessary.
4. Others: Valid ID must be produced for report of loss, cancel report of loss, change of password, renewal of card/passbook, early withdrawal, and mass withdrawal. If someone applies on behalf of you, ID documents to verify you and your representative are necessary.

Tips: 
1. Please keep your savings passbook or bank card in a safe place. If lost, report to Hua Xia Bank straight away either at Hua Xia counter, Customer Service Center (Phone Banking) or Internet Banking verbally. Report of loss in written can only be made at Hua Xia outlets 5 days after you have made verbally. Replace passbook or Hua Xia card or close the account 7 days after you have made the report of loss in written.
2. Set the password as a combination of numbers so that it is not easy to be cracked. Keep the password confidential and do not let others know it.

Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.