Many banking services have long been available online. Depositors have access to most services through mobile applications and online banks. Often, money can be deposited online from a card or account and withdrawn remotely.
Usually online closing is used to transfer funds to a card. This has its advantages:
you don't waste time visiting the office;
no documents required;
It's safer than taking cash out of the branch.
Early closure of a deposit online imposes the same restrictions that we described above.
What happens if you don’t close the deposit?
Sometimes it happens that the contract expires and the russia mobile database client does not withdraw their funds. Depending on the initial conditions, this can have different consequences. In any case, the client cannot simply lose their money and the interest earned.
The most sensitive point here is prolongation - extension of the terms of the agreement for a certain period. When drawing up the agreement, pay attention to whether prolongation is included in it. If so, then upon expiration of the term it is included automatically. In this case, the client's funds are not transferred to the card, and the entire amount again becomes a deposit. Sometimes the interest rate may change. If you plan to withdraw immediately after the end of the agreement, you must notify the bank in time and close the deposit.
If the extension is not included, the funds will be transferred to the "on demand" account. In this case, as a rule, the rate of 0.01% is applied. The new rate will apply to the amount taking into account the profit under the original agreement. But different credit institutions may have different conditions. For example, the bank may charge a fee for account maintenance. In the long term, such a forgotten investment may lose all profits.
Investments without prolongation are often transferred to the client's account automatically.
Why a bank may not close a deposit
The organization has a number of legal grounds for not closing the deposit:
if the application was received five minutes before the office closes;
if the client wants to withdraw more than 600 thousand rubles (employees have the right to request additional documents);
if the client withdraws more than 150 thousand rubles without prior notice (the money must be reserved at the cash desk);
if you contact a small branch where it is impossible to withdraw more than 50 thousand rubles.
In some situations, bank employees may offer other options, especially if the closure occurs before the end of the contract. But they do not have the right to refuse to issue.