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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 with period agreed during deposit, where a fixed sum is deposited every month, single withdrawal principal and interest at maturity. Initial minimum is 5 Yuan, deposit once in every month. Any missing deposit for a month should be made up again in the next month. Deposit periods can be one year, three years or five years.

Features:
1. Save for the future: deposit every month for a lump sum.
2. Higher return: more income than current savings. 
3. Flexible: free your burden whenever you are in need of cash.

Benefits: 
1. Interest will be accrued at the rate quoted for the deposit of same term on the date of opening the account.
2. Any missing deposit for a month has not been made up in the next month is considered as default. Amount deposited after default will have interest accrued at the rate of current savings during withdrawal.

Applicable Clients: 
Chinese residents who have a fixed sum of idle money every month and wish to increase the value in the long-term.

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, change password. Through Internet Banking you can check account, report loss verbally. Through Customer Service Center (Phone Banking) you can check account, change password, report loss verbally. If you choose to use Hua Xia card, at Hua Xia outlets you can open account, renew, check account, and withdraw cash. At ATM or multimedia devices in the same city of Hua Xia Bank, you can open account, make transfer, renew account or check master account of current savings in the card. You can open or renew account at the deposit machine. Enrolled customers of Internet Banking can open account, make transfer, renew or check master accounts of current savings 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 drawn in full in advance, 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: Interest will be repaid with principal when the account is cancelled.
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 large withdrawal. If someone applies on behalf of you, ID documents to verify you and your representative are necessary (cancel the report of loss and change password must be done by yourself).

Tips: 
1. Please keep your savings passbook or bank card in a safe place. If your passbook/CD is 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. Cancel the report of loss must be done at the original outlet; report loss of card can be made at Customer Service center; you can also report loss of card in written or verbally via Internet Banking or at Hua Xia counter. Report of loss in written must be done within 5 days after you have made verbally. Replace passbook/bank card or close the account 7 days later. 
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.