[其他] 有關網路定存限額及臨櫃定存銀行局的回應
最近因為台企銀網路定存下修問題去函中央銀行銀行局,
得到的回應如下
您好：
所詢銀行在網路銀行定存額度設限制，臨櫃交易拒絕長天期定存涉違反銀行法問題，
敬復如下：
一、銀行辦理網路銀行業務係在臨櫃方式以外增加服務客戶之另一通路方式
屬銀行自主經營範圍，另就網路銀行交易涉及身分認證交易安全之確認等
銀行須建置相關控管機制。
二、銀行基於網路交易安全及營運政策等考量，設限電子通路活期存款轉存定期存款
之金額，如未能同時完全滿足客戶之金融服務需求，
客戶亦可透過臨櫃方式辦理，銀行以臨櫃及網路等通路方式所受理之
各項存款產品均須依相關規定，並以營業廳公告之牌告利率辦理。
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央行銀行局的答案是,網路定存設限:合法;
銀行營業廳只要有牌告,任何人都可以不限任何金額去銀行大廳存款喔!
銀行局電話:
02-8968-9665‧02-8968-9666
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心得: 央行算是很中立了!
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