儲(chǔ)蓄存款應(yīng)該怎么掛失

　　儲(chǔ)蓄是指城鄉(xiāng)居民將暫時(shí)不用或結(jié)余的貨幣收入存入銀行或其他金融機(jī)構(gòu)的一種存款活動(dòng)。又稱儲(chǔ)蓄存款。儲(chǔ)蓄存款是信用機(jī)構(gòu)的一項(xiàng)重要資金來源。接下來小編為大家整理儲(chǔ)蓄存款應(yīng)該怎么掛失，希望對(duì)你有幫助哦!

　　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.

　　客戶的儲(chǔ)蓄存單、存折、印鑒如不慎遺失、被盜或密碼遺忘，可按下列手續(xù)到銀行辦理掛失：

　　客戶應(yīng)立即到原存款行辦理書面掛失手續(xù)，掛失時(shí)客戶應(yīng)持本人身份證件(身份證、暫住證、護(hù)照等)并提供賬戶、戶名、開戶時(shí)間、金額、幣種、期限等有關(guān)存款內(nèi)容，經(jīng)銀行審核無誤后即可辦理掛失，銀行經(jīng)查實(shí)確未支付方可受理。如客戶不能親自前往銀行，可委托他人代辦掛失，同時(shí)提供代辦人身份證件。密碼掛失不準(zhǔn)代辦。

　　注意事項(xiàng)

　　1、如掛失前存款已被人冒領(lǐng)，銀行不予受理。

　　2、海外僑胞、港澳臺(tái)同胞遺失國內(nèi)存折要求掛失，而本人不能回國辦手續(xù)的，可委托國內(nèi)親友代辦并出具代辦掛失授權(quán)書，由受托人持證件辦理(授權(quán)書須由我國駐該國領(lǐng)使館公證)。

　　3、辦理掛失時(shí)，客戶須填寫儲(chǔ)蓄掛失申請(qǐng)書，其中一聯(lián)回單由客戶留存，并在7日后持申請(qǐng)書及本人身份證件到開戶行領(lǐng)取新存折辦理轉(zhuǎn)存或取現(xiàn)手續(xù)。

　　4、客戶如有客觀原因不能及時(shí)或親自到銀行辦理掛失，可先口頭、信函或電話請(qǐng)求臨時(shí)掛失，然后在5日內(nèi)到開戶行辦理正式掛失手續(xù)，否則掛失不再有效。

　　5、活期存折可在任何一個(gè)儲(chǔ)蓄所辦理臨時(shí)掛失手續(xù)，正式書面掛失則須到開戶行辦理。

　　6、正式辦理掛失后，原遺失的存折如找回，客戶可持身份證到銀行取消存折掛失狀態(tài)，并交回掛失申請(qǐng)書回執(zhí)，原存折即可繼續(xù)使用。撤銷掛失不能通過函電方式辦理。

　　7、已開具存款證明和辦理質(zhì)押的存單(折)，不得掛失。