“All Personal Call Deposits in One Account” (All in One Account) is an individual financial product of CCB with the function of smart wealth management, offering both the convenience of current deposit and the interest income of seven-day call deposit. What you need is just to choose the product and keep the balance of your deposit account above RMB50, 000 (including RMB50, 000) or foreign currency equivalent US$5,000 (including US$5,000). Now you can easily enjoy smart wealth management and flexible yield.

I. Product merits:

i. The account adopts the same management model as current account and it is easy to make deposit or withdrawal. A clear deposit and withdrawal record keeps you informed of your account.

ii. Call deposit generates bigger yield. All in One Account applies the interest rate of seven-day call deposit. According to the current interest rate standards, the interest rate of seven-day RMB call deposit is 2.25 fold that of current deposit.

iii. Automatic redeposit. Automatic redeposit is agreed once the All in One Account is opened. All deposits in the account with a term over 7 days (including 7 days) will be re-deposited automatically with interest paid at the rate of seven-day call deposit.

iv. Value increase of multiple currencies. All in One Account supports both Renminbi and foreign currency deposits.

v. Bank card or deposit book, easy choice. You may choose your “Happy Investor” wealth management card or deposit book as the transaction tool of All in One Account.

vi. Automatic wealth management. When the balance of your current deposit account exceeds the agreed amount, CCB will automatically transfer the surplus to your All in One Account at the interest rate of seven-day call deposit, easily doubling your current deposit interest income. When you go shopping, draw cash and pay your bill or loan and find the agreed balance of your current account is insufficient, the All in One Account can make automatic transfer to offer you fund support.

II. Target customers

The All in One Account is suitable to those customers who have a certain amount of idle money and hope enjoy both the convenience of current account and higher interest income, especially those who make frequent transfer between their current and term accounts but are too busy to manage their wealth.

III. Opening procedure

i. Opening an All in One Account

You may use your CCB deposit book or “Happy Investor” wealth management card to open the All in One Account. In doing so you should sign the Opening Agreement of All in One Account.

1. Open an All in One Account under Deposit Book

If you use your deposit book to open the All in One Account, you should fill in the Application Form of Opening Savings Deposit Account and tell the counter staff of the deposit amount.

2. Add an All in One Account in Your Wealth Management Card

If you use the wealth management card to open the All in One Account, what you need to do is to take your card to open the account and tell the counter staff about the deposit amount (please open a wealth management card first).

ii. Renewal of All in One Account

The renewal procedure of All in One Account is the same with that of deposit account. You just tell the counter staff the deposit amount without the need to fill in any form. Your renewal amount should comply with the “minimum renewal amount” requirement in the Opening Agreement of All in One Account.

iii. Withdrawal from All in One Account

The withdrawal procedure of All in One Account is the same with that of deposit account. You just tell the counter staff the withdrawal amount without the need to fill in any form. Your withdrawal amount should comply with the “minimum withdrawal amount” requirement in the Opening Agreement of All in One Account.

iv. Agreement on the Automatic Wealth Management of All in One Account

CCB carefully designs a series of automatic wealth management functions which enable you to enjoy the convenience and yield brought about by your All in One Account. Customers should sign the agreement on the automatic wealth management services. CCB offers customers two categories of services, i.e. “automatic fund transfer from current account to All in One Account” and “automatic fund transfer from All in One Account to current account”. The All in One Account opened under the deposit book only supports the function of “automatic fund transfer from current account to All in One Account”.

 1. Agreement on automatic wealth management of All in One Account under deposit book

When signing the Opening Agreement of the All in One Account under deposit book, you should fill in the Application Form of Special Business, writing down your basic information, number of the current account for the agreed transfer and the balance of the current account. Then the wealth management service of “automatic fund transfer from current account to All in One Account” will be activated. 

2. Agreement on Automatic Wealth Management of All in One Account under Wealth Management Card

When signing the Opening Agreement of the All in One Account under wealth management card, you should fill in the Application Form of Happy Investor Wealth Management Card of China Construction Bank, writing down your basic information and setting the automatic transfer services to activate two automatic wealth management services.  

v. All in One Account Automatic Wealth Management Service

After you sign the agreement on automatic wealth management, in case that the balance of your current account exceeds the agreed amount CCB will automatically transfer the surplus to your All in One Account.

When you make transactions via non-counter channels (such as shopping, ATM withdrawal, paying your bill or loan) with CCB wealth management card and the balance of your current account is insufficient, the All in One Account will offer automatic and real-time fund support.