Definition:
"Every day interest" is a linked deposit of current deposit and 1-day deposit. “7-day interest” is a linked deposit of current deposit and 7-day deposit. Hua Xia Bank acts on your instruction to automatically transfer the amount (minimum RMB 50,000) more than the remaining balance (minimum RMB 1000 and must be integral multiples of RMB 1000) in your Hua Xia card’s main current account to 1-day or 7-day call deposit. Interest accrued in the cycle of 1 day or 7 days. Interest accrued in each period will be automatically transferred to the next cycle.

Features:
1. Revolving interest, automatic rollover
Once the agreement is signed, Hua Xia Bank automatically transfers the amount to 1-day or 7-day call deposit once the balance in your Hua Xia card’s current account meets the condition. Principal and interest of the call deposit are automatically rollover to the next interest cycle.
2. Intelligent investment, safe,
Once the agreement is signed, no more notification by manual steps, all automatic. "Every day interest" and "7-day interest" are two portfolio savings. Principal and interests are protected.
3. Sign once, stable return
Sign the agreement at the Hua Xia counter using personal ID card and Hua Xia card. Once signed, interest accrued on the deposit every day;
4. Use money anytime as needed
Once the agreement is signed, anytime you can use your Hua Xia card to draw cash, make payment or transfer. If balance in your Hua Xia card’s main current account is not enough, transfer more to the account either at the Hua Xia counter, Internet Banking (www.hxb.com.cn) or Phone Banking (95577) and use straight away.

Target Clients:
Private business owners with lot of cash idled;
Those investing in stock, fund or gold;
Government enterprises, companies pay salary to the staff.

Price:
No fee is charged on this service.

Service Channel:
At Hua Xia outlets you can sign, amend or terminate agreement, enquiry or transfer. Via Phone Banking and Internet Banking you can check the details or make transfer.

Service flow:
Apply, open A/C, sign agreement, rollover, draw cash, amend/terminate agreement.

I. Sign agreement: use your personal identity document and Hua Xia card to sign agreement at any Hua Xia outlet in your city. Fill in Application Form for Service Agreement (Amendment/Termination). Customer without Hua Xia Card must apply for a card first. If someone applies on behalf of you, he/she must surrender his or her ID card 
II. Transfer. Use your Hua Xia card, ID card to transfer your “every day interest” call deposit or “7-day interest” call deposit to current account at Hua Xia outlet, or through Phone Banking, Internet Banking (customers who have signed up Internet Banking). 
III. Amend/Terminate agreement. Amend or terminate in person at any Hua Xia outlet in your city, use your ID card and Hua Xia card and fill in Application Form for Service Agreement (Amendment/Termination).

Tips:
1 Hua Xia Bank will not automatically transfer the amount from your “every day interest” call deposit or “7-day interest” call deposit into current account. If the balance in your current account is not enough to cover the everyday expense, anytime you can transfer amount to your current account at any Hua Xia outlet in your city, or through Phone Banking, Internet Banking (customers who have signed up Internet Banking). 
II Once the agreement is signed, transfer through Phone Banking is automatically available. Similar, if you have signed up Internet Banking, transfer via Internet Banking is automatically available.
III. Hua Xia card used for the service cannot be used for “self-service loan” ,”scheduled rollover”. We suggest you to sign up “repay personal loan”, “bill payment”, “repay credit card”. Make sure you have sufficient amount remained in the current account for deduction. 
IV. If you get/replace a new card for your lost Hua Xia card which has been reported loss, this service remains valid.
V. Hua Xia Bank reserves the right to unilaterally terminate the service if discontinued due to change in regulatory policy.