Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate can't be reported loss. The passbook must be registered. The registered certificate or passbook can be reported loss.      

    定活两便储蓄存款是指不确定存期，起存金额为50元人民币，开户后由储蓄机构发给存单或存折，存户凭存单（折）存取款，存取金额不受限制的一种储蓄方式。存单有两种类型：记名存单和不记名存单。不记名存单不能挂失。存折必须记名，记名存单（折）可以挂失。