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Fixed Deposit Form

Fixed Deposit Form Template for Hong Kong

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Key Requirements PROMPT example:

Fixed Deposit Form

I need a standard Fixed Deposit Form for our Hong Kong retail banking division, compliant with current HKMA guidelines, to be implemented by March 2025 for deposits up to HKD 5 million.

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Document background
The Fixed Deposit Form is a crucial banking document used in Hong Kong's financial sector to formalize time deposit arrangements between financial institutions and their customers. This document is essential when customers wish to place funds in a fixed deposit account, offering higher interest rates in exchange for maintaining the deposit for a specified period. The form must comply with Hong Kong Monetary Authority regulations, the Banking Ordinance (Cap. 155), and other relevant financial regulations. It captures critical information including customer identification, deposit terms, interest rates, maturity instructions, and required declarations for anti-money laundering compliance. The document serves both retail and corporate customers and includes necessary risk disclosures and terms as required by Hong Kong banking regulations.
Suggested Sections

1. Customer Information: Essential personal/company details including full name, ID/passport number or company registration number, contact details, and existing account information

2. Deposit Details: Specifics of the fixed deposit including principal amount, currency, tenure, interest rate, and maturity date

3. Interest Payment Instructions: Customer's preferences for interest payment frequency and credited account details

4. Maturity Instructions: Customer's instructions for handling the deposit upon maturity (automatic renewal or transfer to specified account)

5. Source of Funds Declaration: Declaration of the origin of deposited funds for compliance with anti-money laundering regulations

6. Risk Disclosure: Standard risk disclosures including early withdrawal penalties and currency risks for foreign currency deposits

7. Terms and Conditions: Essential terms governing the fixed deposit including bank's rights, customer's obligations, and applicable fees

8. Customer Declaration: Customer's confirmation of understanding and acceptance of terms, including consent for personal data usage

9. Signature Panel: Space for customer signature(s) and date, with verification requirements

Optional Sections

1. Joint Account Details: Additional section for joint account holders, including operating instructions and secondary customer information

2. Foreign Currency Details: Additional disclaimers and information required for foreign currency deposits

3. Corporate Authorization: For corporate customers, details of authorized signatories and board resolutions

4. Special Rate Approval: For preferential interest rates, including approval codes and relationship manager details

5. Tax Declaration: Additional tax-related declarations for overseas customers or specific tax arrangements

Suggested Schedules

1. Interest Rate Sheet: Current applicable interest rates for different tenures and currency combinations

2. Fee Schedule: List of applicable fees including early withdrawal penalties

3. Required Documents Checklist: List of supporting documents required for account opening or verification

4. Terms and Conditions Booklet: Detailed terms and conditions referenced in the main form

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Banking

Financial Services

Wealth Management

Corporate Banking

Retail Banking

Investment Services

Treasury

Relevant Teams

Legal

Compliance

Retail Banking

Corporate Banking

Operations

Customer Service

Risk Management

Product Development

Treasury

Wealth Management

Documentation

Relevant Roles

Branch Manager

Relationship Manager

Compliance Officer

Legal Counsel

Banking Operations Manager

Customer Service Representative

Treasury Manager

Risk Officer

Product Manager

Account Manager

Banking Services Officer

Financial Services Consultant

Industries
Banking Ordinance (Cap. 155): The primary legislation governing banking business and deposit-taking institutions in Hong Kong, which sets out the regulatory framework for banks and deposit-taking companies
Money Lenders Ordinance (Cap. 163): Regulates money lending business and interest rates in Hong Kong, including provisions related to deposit interest rates
Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615): Provides requirements for customer due diligence and record-keeping when opening bank accounts and accepting deposits
Personal Data (Privacy) Ordinance (Cap. 486): Governs the collection, handling, and use of personal data, which is relevant for customer information collected in the fixed deposit form
Electronic Transactions Ordinance (Cap. 553): Relevant if the fixed deposit form is to be executed electronically, providing legal recognition of electronic records and signatures
Contract and Rights of Third Parties Ordinance (Cap. 623): Governs the formation and enforcement of contracts in Hong Kong, including banking contracts like fixed deposit agreements
Hong Kong Monetary Authority Guidelines: Regulatory guidelines issued by HKMA that specify requirements for bank deposits, including disclosure requirements and customer protection measures
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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