银行卡

在中国大陆流通的大多数银行卡都带有银联标志。银联将建设和运营全国统一的银行卡跨行信息交换网络。

所以，如果定期存款是通过银行卡账户存入的，在异地支取是没有问题的。另外，如果是活期存款，可以在全国任何一家银行支取。去年各大商业银行都取消了ATM机异地取款手续费。

因此，您可以将定期改为活期，然后通过异地银行或手机银行的柜台取款。

存折

目前还是有很多老年人喜欢用存折。第一，是习惯。另外，存折可以打印明细，每一项都一目了然。他们不喜欢用银行卡，因为用银行卡办理业务只能开具当期业务的凭证，对老年人来说不够清晰。

存折账户如果用于定期存款，是否可以异地同行支取，主要看存折是否有一本通或者一本通标志。

如果存折上标明“一户通”，则异地同行取款不受限制。您可以在全国任何一家同行网点提取存折中的定期存款或存入存折中的钱。

如果没有存折或者没有存折，那么这张存单只能在银行所在的地级市支取，不能跨省市异地支取。

存单

一般存单挂在银行卡账户下或者存折账户下。存单是否可以异地支取，要看银行卡或者存折。请参考以上两种情况。

因此，建议老年人尽量选择通过银行卡办理银行业务，这样不仅方便了自己，将来子女继承财产时也省去了很多麻烦。

各银行人民币存款利率表

银行活期存款定期存款（整存整取）三个月半年一年二年三年五年广发银行0.3001.4001.6501.9502.4003.1003.200光大银行0.3001.4001.6501.9502.4102.7503.000工商银行0.3001.3501.5501.7502.2502.7502.750华夏银行0.3001.4001.6501.9502.4003.1003.200建设银行0.3001.3501.5501.7502.2502.7502.750交通银行0.3001.3501.5501.7502.2502.7502.750民生银行0.3001.4001.6501.9502.3502.8002.800宁波银行0.3001.5001.7502.0002.4002.8003.250南京银行0.3001.4001.6501.9002.5203.1503.300农业银行0.3001.3501.5501.7502.2502.7502.750平安银行0.3001.4001.6501.9502.5002.8002.800浦发银行0.3001.4001.6501.9502.4002.8002.800中国银行0.3001.3501.5501.7502.2502.7502.750招商银行0.3001.3501.5501.7502.2502.7502.750中信银行0.3001.4001.6501.9502.4003.0003.000恒丰银行0.3501.4301.6901.9502.5003.1003.100渤海银行0.3501.4301.6901.9502.6503.2503.200徽商银行0.3001.4001.6501.9502.5003.2503.250东莞银行0.3001.3201.4302.0502.5203.5003.550汉口银行0.3501.6501.9502.2502.9403.5753.900福建海峡银行0.3801.5501.8502.1002.9003.8504.000江苏银行0.3001.4001.6701.9202.5203.1003.150杭州银行0.3001.4301.6902.0302.5203.0803.250成都银行0.3851.5401.8202.1002.9403.8504.200哈尔滨银行0.3501.4301.6901.9502.7303.5003.850厦门国际银行0.4202.0002.3002.6003.3004.2004.550桂林商业银行0.3501.5401.8202.1002.9403.8504.000富滇银行0.3001.4001.6001.9502.4503.0003.100大连银行0.3501.3501.6901.9502.7303.2003.850广州银行0.3001.4001.6501.9502.5203.0003.150泉州银行0.3501.5501.8502.1002.9403.9504.015柳州银行0.3501.5501.8502.1002.9403.9504.015天津银行0.3001.4301.6901.9502.6503.3003.300重庆银行0.3851.6001.8902.1803.0503.9903.990青岛银行0.3001.4301.6901.9502.6253.5753.850温州银行0.3001.5401.8202.1002.9403.8503.850齐鲁银行0.3001.4301.6901.9502.6253.43753.850长沙银行0.3851.5951.8852.1753.0453.98753.9875南昌银行0.3001.5401.8202.1002.5203.3003.600台州银行0.3501.5401.8202.1002.9403.8503.850恒生银行0.2500.5000.6000.650星展银行0.3501.3501.5501.7502.3502.750南商银行0.3501.3501.6501.9502.6102.7502.750河北银行0.3001.5401.8202.1002.7303.8504.200晋商银行0.3501.4301.6901.9502.7303.5754.500晋城银行0.3501.4401.7001.9602.7403.5804.500内蒙古银行0.3501.4501.7202.0502.6003.2003.300阜新银行0.4551.4521.7161.9802.7723.630邮储银行0.3001.3501.5601.7802.2502.7502.750辽阳银行0.4551.4521.7161.9802.7723.6304.290嘉兴银行0.3501.5731.8592.1453.0033.93253.9325湖州银行0.4201.5401.8202.1002.9403.5753.575民泰银行0.3001.5401.8202.1002.9403.8503.850稠州银行0.3501.5401.8202.1002.9403.8503.850厦门银行0.3501.3501.5501.8002.5204.0154.015九江银行0.3501.5401.8202.1002.5203.3003.600赣州银行0.3501.5401.8202.1002.9403.3003.600上饶银行0.3851.5401.8202.1002.5203.300临商银行0.3501.4851.7552.0252.7303.5753.850东营银行0.3501.3751.6251.8752.6253.43754.2625威海银行0.3501.4851.7552.0252.7303.5754.2625齐商银行0.3501.4301.6901.9502.7303.5754.2625泰安银行0.3501.3751.6251.8752.5203.16253.4375莱商银行0.3501.3751.6251.8752.7303.5754.2625德州银行0.3501.4851.7552.0252.7303.5754.2625洛阳银行0.3501.5401.8202.1002.9403.8504.000华润银行0.3001.4301.6901.8002.5203.0253.125北部湾银行0.40252.0252.3252.6253.5254.5005.225三峡银行0.3851.6001.8902.1803.0503.7103.850德阳银行0.3852.8603.0803.3004.1254.6755.225乐山银行0.3501.4301.6901.9502.7303.5754.000南充银行0.3852.8603.0803.3004.1254.6755.225贵阳银行0.3801.4801.7502.0202.8303.7104.000西安银行0.3501.5051.7652.0252.5203.3003.600兰州银行0.4551.4301.6902.1002.7303.8504.350宁夏银行0.3001.6501.9502.2503.1504.125