[新聞] 金管會:無假日ATM存錢不計息道理
看板Bank_Service作者TZUYIC (Je T'aime Celine)時間12年前 (2012/06/10 11:48)推噓24(25推 1噓 64→)留言90則, 19人參與討論串1/2 (看更多)
這是可以好好討論的,現在活存利息計算時點處於一個國家、(銀行)各自表述的情況~
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Ref. http://udn.com/NEWS/LIFE/LIF1/7149984.shtml
金管會:無假日ATM存錢不計息道理
【聯合報╱記者孫中英/台北報導】2012.06.10 02:40 am
假日ATM存錢,不計算利息?金管會銀行局局長桂先農昨天說,銀行從任何通路接受存款
,都是「按日計息」,沒有「例假日」就不計息的道理,可能是銀行「關帳」時間不同,
造成誤解。
桂先農說,銀行局將要求銀行公會,針對「自動化通路」接受存款的「關帳時間」再做討
論,明確說明ATM轉帳或存款的利息計算方式、與起迄時間點,以維護民眾權益。
桂先農說,目前各銀行在自動化通路的「關帳時間」,規定不盡相同。有些銀行比照營業
時間,下午三時半關帳,有些銀行下午五時關帳,最晚的是中國信託商銀和台新銀行,都
是晚上十時關帳。
「關帳」與利息計算有關,民眾在關帳之前把錢存進去,「當天入帳、當天計息」,過了
關帳時間,就算是隔天入帳,利息也要從第二天起算。例如中信銀晚上十時關帳,晚上九
時五十九分,透過ATM把錢存入,也是「當天入帳」,利息即刻起算。
中信銀說,若在周五晚上十時以後,透過中信銀的存款機存款,雖然(周五)當天來不及
入帳了,但周一入帳時,系統會自行「補算」周六及周日的利息給客戶。
【2012/06/10 聯合報】@ http://udn.com/
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