What Is Lockbox Banking?

The bank safe deposit box service is a financial security service provided by financial institutions such as banks. It first started in the 17th century in the United Kingdom. It not only protects personal property from loss, but also strictly protects personal privacy from infringement. It has become the financial management of ordinary residents. Smart choice.

Bank safe deposit box business

The bank safe deposit box service is a financial security service provided by financial institutions such as banks. It first started in the 17th century in the United Kingdom. It not only protects personal property from loss, but also strictly protects personal privacy from infringement. It has become the financial management of ordinary residents. Smart choice.

Chinese name

Bank safe deposit box business

Types of

Financial security services

Purpose

Protect personal property from loss

Starting time

17th century

As early as the 17th century, goldsmiths in the UK used their original cast iron cabinets to keep gold and other belongings for others, and issued receipts to prove that they had received the safe deposit, and returned it when the depositor requested it. Mid-19th century, for safekeeping of gold prospectors

1) The renter can access the items at any time during the business hours of the bank. When opening the box, sign the application form according to the original retained signature (or stamp, password), together with me

1) The hirer asks for a rental box and presents his valid identity certificate. Upon inspection by the bank, if the conditions are met, the hirer shall fill in the safe deposit box seal card, retain the signature or stamp form (or fingerprint, password, etc.), and sign the lease.

The renter must return to the bank to fill in the "letter of cancellation" in person before the expiry date, retrieve the contents of the box, return the two keys, and get the security deposit. The method of handling no formalities after the expiration is that the renter should go through the procedures of renewing or canceling the lease before the expiration. If the lease renewal or cancellation procedure is not completed after the expiry date, the bank shall notify the hirer by phone or in writing of the original retained information. The bank could not find the renter due to the change of the renter unit or address, change of phone number, long-term overseas, relocation from Beijing, etc. If the banker could not be found after six months, the bank can witness at the notary office. The box is cut open, and the booklet in the box is handled or stored separately. All costs incurred by this shall be borne by the hirer.

The renter or agent can pay the next rent at the bank at any time before the expiration, and the lease can be automatically renewed continuously.

The rent is calculated on a regular basis. Generally, the rental period is 12 months. The renter can return the safe deposit box at any time, but the bank does not refund the rental fee for the remaining time of the lease box and cannot pay other safe deposit boxes. If the rent standard is adjusted in the future, no matter whether it is increased or decreased, there is no need to pay or refund the difference. When returning the box, you only need to pay two recovery keys. If the rental box has not expired and the parts inside the box have not been damaged, the deposit and current interest can be refunded.

0.41 yuan / day: rent a bank safe deposit box

Compared to each family, the excellent value for money of the safe deposit box business is affectionately called "own bank" by many citizens.

Mother Zhang used to divide her family's property into three parts and hid them in the folder, the top of the large cupboard, and the old shoe box. Last year, I accidentally donated a "golden quilt" with a deposit of 60,000 yuan and a corporate bond of 5,000 yuan. The certificate of deposit was also lost to make up for it, but the 5,000 yuan corporate bond was not registered and was not lost. After a while. After that, the Zhang family spent 150 yuan to rent a safe deposit box at CCB. The average cost was only 0.41 yuan per day for 365 days a year, so there was no need to hide and seek in Tibet and thieves at home.

According to relevant statistics, the tenants of the safe deposit box are roughly divided into the following categories: First, the relocation households. Due to the rapid development of real estate in recent years, the number of demolished households has increased greatly, and there is no safe place for gold and silver jewelry, contracts, and land deeds at home, so the bank safe deposit box has become the most ideal place. Second, investors, it is understood that every Monday when the stock market opens, hundreds of people flock to handle procedures, access to some securities, transaction bills, important documents and so on. The third is some elderly people. In order to prevent filial piety or thieves, the valuables of the elderly were quietly hidden in the bank. There are also some businessmen who rent large safe deposit boxes to store important contracts, deeds, antique calligraphy and other valuables.

According to information from CCB, the proportion of ordinary households among the bank's safe deposit box users has gradually increased. The property of each family is more or less always composed of three types of securities, register, and valuables. Among them, except that the register can be reported for loss and makes people feel slightly safe. People always try to find other sufficient conditions to ensure their safety. In fact, the bank safe deposit box business has been gradually accepted by ordinary families with a very low price and good service.

Citizens can handle safe deposit box operations at banks as long as they have valid personal credentials. Items can be stored at any time according to personal needs. Bank safe deposit boxes are generally highly guarded and guarded by guns throughout the day; the doors are explosion-proof, antimagnetic, waterproof, and the locks are exceptionally sturdy; the temperature and humidity control in the safe deposit boxes are used. Once the environment changes, the dehumidification equipment will automatically The operation can only be started when the customer and bank staff are present at the same time. Some banks also use fingerprint recognition systems in their safe deposit boxes. Therefore, compared to every family, the excellent cost-effectiveness of the safe deposit box business is affectionately called "own bank" by many citizens.