I. Introduction 
Deposit Services is designed for clients to deposit monies in their registration account through Personal Internet Banking, Mobile Phone Banking (WAP), and multi-media self-service terminals. The types of deposit include: current deposit in RMB and foreign currencies, lump fixed deposit in RMB and foreign currencies, RMB installment fixed deposit, RMB education deposit, call deposit and deposit portfolio.

ICBC E-banking provides you with functions of transfer from current deposit to current deposit, transfer between current and fixed deposit, deposit portfolio design, pre-settled cyclic transfer and schedule amount transfer.

II. Target Client
Clients of ICBC E-banking with the demand of deposit.

III. Features
1. Convenience and Speed: other than the traditional way of going to the bank office for deposit during business hours, this service allows you to process deposit businesses through the 7*24 hours of self-service by ICBC E-banking at any time and any place. Therefore your time is saved from the trouble of waiting in queues.
2. Various Types: ICBC provides you with the service of transfer between current and fixed deposit, and other featured deposit services.
3. Supporting Online Reservation: you can submit to the bank your reservation information through this function, and ICBC will process all types of deposit according to your requirement.

IV. Application Condition
Clients of ICBC Internet Banking holding Elite Club account and Peony Money Link Card.

V. Sign up
1. All clients of ICBC Personal Internet Banking holding Elite Club Card and Peony Money Link Card can process different kinds of deposit through self-service.
2. Clients with the demand of pre-settled cyclic transfer and schedule amount transfer should bring valid ID card and registration card to an ICBC branch to apply USB Shield and sign the Internet Banking Personal Finance Service Agreement.

Ⅵ. Service Channel and Time
Personal Internet Banking, Telephone Banking, Mobile Phone Banking (WAP) and multi-media self-service terminals provide you with 7x24 hours of round-the-clock services.

Ⅶ. Fee and Tax
All the current functions are free.

Ⅷ. Tip
1. If you have the demand for periodic transfer to a specific account, you can use the function of ICBC Pre-Settled Cyclic Transfer. For details, please click here.
2. If you have the financial need of intra-city transfer of current deposit to current deposit, current deposit to fixed deposit, or current deposit to call deposit of an agreed sum, you can use the function of ICBC Schedule Amount Transfer. For details, please click here.

Ⅸ. Product Link
Online Reservation

Ⅹ. Interest rate information
Interest Rate of Deposit and Loan>>

Ⅺ. Considerations
1. The smallest amount for RMB current deposit is RMB 1, while that for foreign currency deposit should be no less than what is equivalent to RMB 20. The smallest amount for lump fixed deposit is RMB 50, and that of installment fixed deposit is RMB 5. The starting point for education deposit is RMB 50, and its highest amount per book is RMB 20,000. The starting point for foreign currency fix deposit is no less than what is equivalent of RMB 50.
2. Education deposit comes with favorable interest with exemption from personal income tax. Upon maturity, please bring your valid student ID card (issued by your school) to any ICBC branch to process withdrawal.
3. Clients of installment fixed deposit and education deposit account should deposit a fixed sum of monies monthly. The first failure of timely deposit during the deposit period can be supplemented in the next month. But if clients fail to deposit in the next month, or the failure of timely deposit is over one time, it will be deemed as agreement breach. The interest for the sum deposited after agreement breach will be paid in accordance with current deposit interest rate.
4. The types of fixed deposit include: one-month lump fixed deposit (foreign currency), three-month lump fixed deposit, six-month lump fixed deposit, one-year lump fixed deposit, two-year lump fixed deposit, three-year lump fixed deposit, five-year lump fixed deposit, installment fixed deposit, education deposit, one-year renewal & interest payment deposit, three-year renewal & interest payment deposit, and five-year renewal & interest payment deposit.

Ⅻ. Definition
Deposit Portfolio Design: the ICBC Internet Banking system has designed various saving plans of different years and target deposit sum by means of different deposit portfolio within the scope of ICBC saving services. The available plans include: maximum principal and interest based on the deposit amount and period; shortest period based on the deposit amount and amount at maturity; maximum principal and interest based on the monthly deposit and deposit period; shortest period based on the deposit amount and amount at maturity; and monthly deposit based on the deposit period and amount at maturity.

Responsibility Statement: The contents on this page are for reference only. The ultimate power of interpretation is under the Industrial and Commercial Bank of China Limited. For part of the contents, notice and specific regulations of local branches shall prevail.