储蓄存款应该怎么挂失
储蓄存款应该怎么挂失
储蓄是指城乡居民将暂时不用或结余的货币收入存入银行或其他金融机构的一种存款活动。又称储蓄存款。储蓄存款是信用机构的一项重要资金来源。接下来小编为大家整理储蓄存款应该怎么挂失，希望对你有帮助哦!
If a certificate of deposit, a bank passbook or a seal of a client is lost or stolen, or the password is forgotten, the loss reporting may be handled at the bank as the following procedures:
The client shall immediately handle the written loss reporting procedures at the original depository bank. In reporting loss, the client shall present the personal credentials (ID card, residence permit, passport, etc.) and also provide the related deposit information such as account, account holder's name, time of account opening, amount, type of currency and maturity. The loss reporting may be accepted after the bank certifies them correct, and the bank confirms that the payment has not been made before the loss reporting is handled. If the client can not be present at the bank in handling the loss reporting, he or she may authorize another person to handle it on his / her behalf and at the same time the credentials of the agent shall be presented. The loss reporting of password may not be handled on agency.
Notices
1.If the deposit has already been falsely claimed before the loss reporting is accepted, the bank will not handle the loss reporting.
2.If an overseas Chinese or a compatriot in Hong Kong, Macao or Taiwan is to handle the loss reporting of a domestic deposit certificate, and can not return to the mainland for it by himself or herself, he or she may authorize a relative or friend in the mainland to handle it on agency. In this circumstances, the loss reporter must issue a Letter of Authorization for handling the loss reporting on agency (the Letter of Authorization is to be notarized by the Chinese embassy in that country). The proxy shall present the credentials in handling the procedures.
3. In handling the loss reporting, the client shall fill out the Application Form for the Loss Reporting, with one extra copy of it kept by the client, and he will get a new certificate of deposit with which the re-depositing or cashing procedures will be handled at the issuing bank seven days later by presenting the application form with his own credentials.
4. By reason of circumstances, the client is unable to handle the loss reporting at the bank in time or by himself, he may first request interim loss reporting orally, by mail or by telephone, and then handle the formal loss reporting procedures at the issuing bank in five days. Otherwise, the loss reporting will cease to be in force.
5. For a current account passbook, the interim loss reporting procedures may be handled at any savings office, but the formal written loss reporting procedures shall be handled at the issuing bank.
6. If the original certificate of deposit is found after the formal loss reporting is handled, the client may call off the loss reporting at the bank by presenting his credentials with the copy of the application returned. The original certificate of deposit will be put to use. The call-off of loss reporting may not be made by mail or in any form of telecommunications like telephone, fax, telex, etc.
7. The loss reporting does not apply to certificates of deposit (passbooks) on which the deposit certification and certificate of deposit (CD) CD-pledged or passbook-pledged have been issued.
客户的储蓄存单、存折、印鉴如不慎遗失、被盗或密码遗忘，可按下列手续到银行办理挂失：
客户应立即到原存款行办理书面挂失手续，挂失时客户应持本人身份证件(身份证、暂住证、护照等)并提供账户、户名、开户时间、金额、币种、期限等有关存款内容，经银行审核无误后即可办理挂失，银行经查实确未支付方可受理。如客户不能亲自前往银行，可委托他人代办挂失，同时提供代办人身份证件。密码挂失不准代办。
注意事项
1、如挂失前存款已被人冒领，银行不予受理。
2、海外侨胞、港澳台同胞遗失国内存折要求挂失，而本人不能回国办手续的，可委托国内亲友代办并出具代办挂失授权书，由受托人持证件办理(授权书须由我国驻该国领使馆公证)。
3、办理挂失时，客户须填写储蓄挂失申请书，其中一联回单由客户留存，并在7日后持申请书及本人身份证件到开户行领取新存折办理转存或取现手续。
4、客户如有客观原因不能及时或亲自到银行办理挂失，可先口头、信函或电话请求临时挂失，然后在5日内到开户行办理正式挂失手续，否则挂失不再有效。
5、活期存折可在任何一个储蓄所办理临时挂失手续，正式书面挂失则须到开户行办理。
6、正式办理挂失后，原遗失的存折如找回，客户可持身份证到银行取消存折挂失状态，并交回挂失申请书回执，原存折即可继续使用。撤销挂失不能通过函电方式办理。
7、已开具存款证明和办理质押的存单(折)，不得挂失。