Recently, 4% interest rate time deposits appeared in commercial banks in the first financial sector, and now we have entered an era of very clear high interest rates.
In fact, considering that the Toss Bank parking passbook appeared with an interest rate of 2% last year and caused a stir, it seems that the interest rate itself has risen a lot.
As interest rates continue to rise around the world, including the United States, the return on investment is decreasing day by day, and it seems that more and more people are choosing to deposit their money in a bank.
In such a case, a parking passbook is bound to attract attention, and savings banks in particular are attracting customers by offering high-interest deposit and withdrawal accounts. 웰컴저축은행 파킹통장
Welcome Savings Bank is no exception, and as of October 1st, it is showing the highest interest rate on a parking passbook.
So, in this post, I am going to learn about the employee love ordinary deposit, which is a welcome savings bank parking passbook product. 이베이스매뉴얼
Those who plan to deposit a large amount of money into the account can consider signing up for the product based on the information that will be described later, and it is especially recommended for office workers.
Product information
The name of the product used as the Welcome Savings Bank parking passbook is the Welcome Employee Love Ordinary Deposit, which can be signed up with one account per person.
WELCOME Employee Love Ordinary Deposits can be signed up at the Welcome Savings Bank branch or through mobile banking.
Also, since it is true that savings banks have a higher risk of bankruptcy than banks in the first financial sector, it is better to deposit less than 50 million won, the amount guaranteed by the Depositor Protection Act.
Learn about the Depositor Protection Act
Hello Depositor Protection Act. It is a rotten egg. Do not deposit more than 50 million won in one bank nearby.
For reference, since 50 million won is applied to the total principal and interest, it is most efficient to deposit with the interest amount according to the interest payment period.
The interest payment time of the Welcome Savings Bank parking passbook is the business day immediately preceding the third Saturday of every month (based on Saturday) and is the next day after the settlement date.
For your reference, if you are new to mobile banking, you cannot sign up for tax-free comprehensive savings.
Interest rate information
As of October 1, 2022, Welcome Savings Bank has raised the maximum annual interest rate for employee love common deposits to 3.5%.
However, a 3.5% interest rate does not apply to simply parking money in a bank account after opening, but certain conditions must be met.
The basic interest rate of the Welcome Savings Bank parking passbook is 2.0%, and the preferential interest rate is up to 1.5%.
The preferential interest rate conditions are as follows.
In terms of salary/salary/monthly salary/bonus, a 0.5% preferential rate is provided if there is a salary transfer of KRW 1 million or more per month.
0.5% is added if there is one or more automatic withdrawals through CMS or Giro in connection with the employee love savings account for the current month.
An additional 0.5% is provided if you agree to (maintain) the marketing agreement and membership registration/use for the current month.
Base rate 2.0%
Salary transfer 0.5%
CMS/auto payment 0.5%
Personal Information/Membership Agreement 0.5%
Maximum interest rate 3.5%
The maximum interest rate for the Employee Love Ordinary Deposit is 3.5%, which is when all three conditions for preferential interest rates are met.
It feels like the parking passbook product itself wants to be set as the main account, but in the case of payroll transfer, it is possible to make your own payroll.
little tips
Since the Welcome Savings Bank parking passbook requires payroll transfer performance under the condition of preferential interest rates, it is recommended to deposit the amount (50 million won or less) in consideration of the payroll transfer + monthly interest.
In addition to the relevant bankbook, there are often cases where the 20-day limit for opening an account is required.
20-day limit on account opening Reorganization of bankbook contents
20 days limit for account opening Hello. It is a rotten egg. While interest rate hikes are a hot topic these days, deposits and savings accounts…
In addition, in addition to the corresponding parking passbook, other products that offer high interest rates at this time are as follows.
OK Savings Bank e-bankbook/second bankbook 3.5% up to 10 million won, Hana Savings Bank Hihana common deposit up to 50 million won 3.4%, OK Savings Bank non-face-to-face ordinary deposit 3.3%, etc. are recommended for parking passbooks.
So far, we have summarized the Welcome Savings Bank parking passbook product information and small tips.
It is recommended because it has a higher interest rate than most deposits and allows free deposits and withdrawals.
Also, please think carefully because it may be better to use the corresponding parking account rather than sign up for a product because the interest rate of a specific savings product is high.
Let’s find out the difference and meaning of savings and savings accounts
Difference between savings and savings? hello. no see. 2020 and 2021 were the times when low interest rates continued due to COVID-19…
So, I hope you all have a happy financial life, and this is the end of this article. thank you