Among the parking passbooks of the Welcome Savings Bank, the Welcome employee love ordinary deposit product has had a high interest rate before, but it was not introduced because there was a preferential condition. offered higher interest rates.
Of course, the previously introduced parking passbook is convenient because it does not require a separate preferential record.
SBI Savings Bank 3.2% Reference 웰컴저축은행 파킹통장
Pepper Savings Bank 3.2% Reference
However, the performance of the Welcome parking passbook is not very demanding, and it has been raised to 3.5%.
Product introduction 이베이스매뉴얼
It is a free deposit and withdrawal account, and it is a parking passbook with no limit on the amount to be paid.
Monthly compound interest can be applied in such a way that interest is paid on the next business day after settlement on the business day immediately preceding the third Saturday of each month.
New subscriptions can be made through branches or mobile banking,
If you already have WELCOME PLUS ordinary deposit or WELCOME non-face-to-face ordinary deposit, it is said that you can convert the product to WELCOME employee love ordinary deposit through a branch or internet/mobile banking.
You can receive interest rates up to 3.5%, but unfortunately there are preferential conditions that must be met..!
The basic interest rate is as low as 2%.
Now, you need to fill 1.5% with a preferential interest rate, so let’s look at the preferential conditions one by one.
1. 0.5% when there is a salary transfer record of 1 million won or more Here, salary transfer performance refers to a case in which more than 1 million won was deposited in terms of salary, monthly salary, monthly salary, and bonus.
This means that I can change the name of my other account to this passbook and make a transfer.
2. One or more CMS or Giro automatic payment 0.5%
This includes insurance premiums/communication costs/card bills/gas bill automatic debit.
Direct transfer between bank accounts is not subject to Giro and CMS automatic payment, so caution is emphasized.
3. Personal information collection and use and membership agreement 0.5%
You have to agree to the collection and use of personal information for marketing and to sign up for membership in order to fulfill the preferential performance.
The above preferential rate is applied to the interest calculation period (1st to last day) of the month following the month in which the condition is met.
caution
You can’t get an unlimited 3.5% interest rate.
Up to 50 million won, all preferential rates are applied and you can receive up to 3.5%, but beyond that, only the conditions of the marketing agreement apply and you can receive up to a maximum of 2.5%.
In addition, the conditions of consent for marketing and membership must be maintained as of the end of the month in order to apply the preferential interest rate.
In other words, you must be careful as you cannot do this by agreeing only when you first sign up and then canceling it later.
Compare 3.2% and 3.5% interest rates
If I agree to marketing, I don’t like getting contacted because it’s annoying, so I’ll eventually use SBI or Pepper’s parking passbook, but if that doesn’t matter, I think the Welcome Savings Bank’s Welcome Employee Sarang Ordinary Deposit can be fully utilized as a parking passbook.
The larger the deferred amount, the larger the interest difference from 0.3%.