Current Deposit
Refers to funds that can be withdrawn in cash or used for settlement, anytime.

Ordinary Fixed Deposit
RMB fixed deposits have five set periods, namely, 3-month, 6-month, 12-month, 2-year, and 3-year; foreign exchange fixed deposit have five set periods, namely 1-month, 3-month, 6-month, 12-month, and 2-year.

Call Deposit
It is a deposit product, with which, you do not need to set a fixed period when depositing your fund; instead, you and the bank agree on how long time in advance you should call the bank before a withdrawal. Its interest rate is higher than that for current deposit. The principal should be put in once off, but you are allowed to withdraw the fund by installment.
Currently, there are two products in RMB category, namely the 1-day call deposit and 7-day call deposit. Their take-off point is 500,000 yuan, while their minimum withdrawal amount is 100,000 yuan. The only foreign exchange call deposit product available now is the 7-day call type with a take-off point of foreign exchange at the equivalent of RMB10,000 yuan.

RMB Conventional Deposit
If your company constantly keeps a large amount of fund on its bank account for operational purpose, then this new deposit product specially designed by the CMB could be an ideal choice. A base value is set for the deposit, and any amount surpassing that value will be save on a separate account at different interest rates. In this way, your company will enjoy earnings higher than current deposit, while its needs any time for fund maneuvering are guaranteed.

7-day Call Deposit for Institutional Clients
With the service of 7-day Call Deposit for Institutional Clients, the depositor designate no fixed period for its deposit in foreign exchange, but needs to call the ban before an withdrawal. The client needs to inform the bank of the amount of foreign exchange that it desires seven days before actual withdrawal. As to the kinds of foreign currencies accepted, please refer to the bank' s bulletin of interest rates for foreign exchange call deposit 
Call Deposit for Institutional Clients has a take-off point of USD50,000 or its equivalent, but no maximum quota; while its minimum withdrawal amount is USD10,000 or its equivalent. The principal should be put in once off, but you are allowed to withdraw the fund by installment. All institutional clients eligible to open foreign exchange accounts, which include enterprises, institutions, government department and civil organizations, are allowed to establish Call Deposit for Institutional Clients. When establishing accounts for Call Deposit for Institutional Clients, the clients are expected to follow all pertinent rules made by the China Merchants Bank as well as those promulgated by the State Foreign Exchange Regulatory Bureau.