To avoid money in savings book "evaporating"

Should choose bank - choose the right place to deposit gold

To deposit savings, you should first choose a reputable bank with a long history and high safety. Banks publish quarterly and annual financial reports on their websites and in the media.

Take note of the bank's branch network, transaction offices, and operating hours during and outside of business hours to easily carry out transactions when needed.

The service quality of each bank is also reflected in the friendly and dedicated staff, comfortable and convenient transaction space or simple and quick transaction process.

Should trade at the counter

The common point of customers who lost money when depositing savings is that they asked someone else to deposit it on their behalf with the promise of "higher interest rates", but without the authorization of the person whose name is on the book.

In addition, for some VIP customers and loyal customers, bank employees often come to their homes or workplaces to deliver money and open savings books without having to go to the counter as required. Therefore, there may be risks when employees deliver fake savings books, or do not return money to the treasury, or do not enter it into the system...

Therefore, whether you are an individual customer or a business with bank deposits, you should go to the counter to transact directly. Because, when transacting at the counter, customers will beThe camera records and this is very good evidence in case of an incident later.

You should check your deposit account balance regularly.

Currently, customers can check their deposit account balances weekly or monthly simply via Internet Banking or Mobile Banking or go directly to the bank's transaction office.

This is to help customers quickly detect unusual balance fluctuations. If money is lost, customers can quickly report it to the bank and the authorities for resolution.

The longer it takes, the harder it will be for customers to recover their money because the authorities and banks need more time to investigate and review..., especially when the person who stole the money has no more money to pay back the customer.

Should use Internet Banking/ Mobile Banking

You should use Internet Banking or Mobile Banking service to check and monitor the increase and decrease of your savings deposits.

In principle, when you receive a notification of a deposit through one of the two services above, it means that the money has entered the banking system and the bank is responsible for refunding the money in case a bank employee misappropriates your money.

Do not sign blank documents.

Many customers agree to sign a set of blank transaction documents (without content) because of trust and for convenience, to save time for cash deposit and withdrawal transactions or when going on a business trip on the maturity date of the savings book.

However, there have been many unfortunate cases involving such fake transaction documents. Taking advantage of customers' trust, bank employees can fill in information to appropriate and "drain" customers' deposits in many different ways.

Do not transfer money andonline savingslarge sums of money

In fact, there is currently no risk of losing money when making online savings deposits, because in principle, online savings deposits will default to the banking system and the bank will be responsible for these deposits.

However, if you save a large amount of money to avoid risks, it is best to go directly to the bank and hold the savings book as evidence.

Don't change your signature often.

Surely you have felt annoyed many times when bank staff asked you to sign over and over again because your signature was incorrect. However, this is completely reasonable to ensure the safety and benefits of customers.

Because maintaining the signature throughout the transaction process is very important, this is the security code to verify the customer's deposit and withdrawal. If the customer opens a savings book and signs one way, when closing the account, they sign the other way, it will be very difficult and time-consuming to reconcile.

Therefore, maintaining a signature is necessary to help you conveniently and quickly transact with the bank.

Should notSkip the check book after deposit

Customers may be at risk when bank employees accidentally enter the wrong deposit amount, or intentionally misappropriate money if the customer does not detect it due to not checking the savings book, or the savings book or deposit contract does not have complete information.

When receiving a savings book, you need to check the information: bank name, currency type, amount; deposit term; deposit date; maturity date; interest rate; interest payment method; full name and address of the savings deposit owner, of the savings deposit co-owner; ID card or passport number; card number, seal, signature of the unit head (or authorized person)...

Do not lend money or ask someone to keep your savings book.

Because you have been dealing with the bank employee for a long time, you are close and subjective to "loan the book", or ask the bank employee to keep the book for you? Please note not to do so, because before breaking a promise, everyone is a person of integrity.

In fact, there are many cases where bank employees are fired or run away and take all the savings of their regular customers.