• Lump-sum Deposit & lump-sum Withdrawal
  Minimum amount: RMB 50 yuan. Tenors of 3 month, 6 month, 1 year, 2 year, 3 year, 5 year.
  PIN secured and certificate of the deposits can be withdrawn in branches of the same city.
  
• Monthly-Interest-Withdrawal Savings Deposit
  (1)Minimum amount: RMB 10,000 yuan.Tenors of 3 year and 5 year. Full amount deposits.Monthly interest withdrawals.Principal shall be withdrawn on due date.
  (2)From the second month, the customer can withdraw interest every month on the same date of the deposits account is opened.
  
• Monthly Deposits & Lump-sum Withdrawal
  Monthly Deposits & Lump-sum Withdrawal meets the low-income customers' need of accumulating the small sums of money for large item consumption.
  (1)Monthly fixed-sum deposits.
  Tenors of 1 year, 3 year and 5 year.
  (2)The customer can make choice on the amount of monthly deposit and tenor, make deposits every month and withdraw principal and interest at the due date.
  
• Education Savings
  The education savings intend to encourage the urban and rural citizens to save money for their children's non-obligatory education (namely, full-time senior high school education, higher education including undergraduate, postgraduate and doctorate). The characteristics of education savings are with designated target customer, tenor flexible, total amount controllable, interest tax free, etc..
  For more information, please see Education Savings.

The characteristics of Current Savings are neither fixed tenor nor fixed amount. Deposits & withdrawals may be made at any time, thus offering great flexibility and convenience. According to the different patterns, there are different current savings as follows:

• Current Savings
  Minimum RMB 1; deposits & withdrawals at any time; PIN secured and the same deposits pass-book can be used in all our branches nationwide(except Beijing Branch).
  
• Personal Check Deposits
  Secured by individual credit, this kind of service provides customers with the facility of money withdrawals through personal check issued by the branch where RMB 5000 is the minimum deposit required.
  
• Booked Current & Time Double-flexibility Deposit
  Current & Time Double-flexible Deposits can be made at any time like flexible current deposits and can have higher interest rate like time deposits.
  
• Call Deposit
  This kind of deposit service features no agreed tenor but notice in advance is needed upon withdrawal. The Minimum deposit amount is RMB 50,000 and RMB 1000 as the accumulating unit. The minimum withdrawal amount is RMB 50,000 yuan. The principal shall be deposited in lump-sum and may be withdrawn in installment. Upon each withdrawal, the interests shall be settled along with the principal.
  SPDB offers two types of call deposit services for individual customers, namely, 1-day notice and 7-day notice call deposits.