Osaka Kosei Shinkin Bank Launches Interest Rate Campaign for Smartphone-Exclusive Fixed Deposit 'Tokimeki Fixed Deposit' at Internet Branch 'Osaka Tokimeki Branch'
NQ Score
50/100
AI Summary (NQ-processed)
Osaka Kosei Shinkin Bank is offering a high-interest rate campaign for its fixed deposit product, 'Tokimeki Fixed Deposit,' available exclusively through its internet branch, 'Osaka Tokimeki Branch.'
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Frequently Asked Questions
- Q: What is the interest rate campaign for the 'Tokimeki Fixed Deposit'?
- A: The campaign offers an annual interest rate of 1.300% for a 1-year term (1.035% after tax) and 1.350% for a 3-year term (1.075% after tax).
- Q: Who is eligible to apply for the 'Tokimeki Fixed Deposit' campaign?
- A: The campaign is for individuals aged 18 and over who are Japanese nationals residing in the Kinki region (Osaka, Hyogo, Kyoto, Shiga, Nara, Wakayama prefectures) and who open a passbook-less account via the 'Osaka Kosei Shinkin Bank App.' It is limited to new customers of the Osaka Tokimeki Branch.
- Q: What is the application period for this campaign?
- A: The application period is from Wednesday, April 1, 2026, to Tuesday, June 30, 2026.
- Q: How can I apply for the 'Tokimeki Fixed Deposit'?
- A: You can apply through the 'Osaka Kosei Shinkin Bank App.' No branch visit is required. You will need to install the app and contract for a passbook-less account.
- Q: Is this product available at physical branches?
- A: No, this fixed deposit is exclusively handled via smartphone through the 'Osaka Tokimeki Branch' and cannot be handled at physical counters.
- Q: What is the minimum and maximum deposit amount?
- A: The minimum deposit is 100,000 yen, and the maximum is 10,000,000 yen per person. The total limit per person is up to 30,000,000 yen.
- Q: What happens if I need to withdraw the money before the term ends?
- A: Early withdrawal is generally not permitted. In unavoidable circumstances, the early withdrawal interest rate will apply.
- Q: Is my deposit protected?
- A: Yes, this fixed deposit is covered by the deposit insurance system, protecting principal and interest up to 10 million yen per depositor.
- Q: 請問「ときめき定期存款」的利率優惠活動是什麼？
- A: 該活動提供1年期存款年利率1.300%（稅後1.035%），3年期存款年利率1.350%（稅後1.075%）。
- Q: 誰可以申請「ときめき定期存款」的優惠活動？
- A: 此活動適用於居住於近畿地區（大阪、兵庫、京都、滋賀、奈良、和歌山縣）且具備日本國籍，年滿18歲以上，並透過「大阪厚生信用金庫App」開立無存摺帳戶的新客戶。僅限大阪ときめき支店的新申請者。
- Q: 這次活動的申請期間是到什麼時候？
- A: 申請期間為2026年4月1日（星期三）至2026年6月30日（星期二）。
- Q: 如何申請「ときめき定期存款」？
- A: 您可以透過「大阪厚生信用金庫App」進行申請，無需臨櫃辦理。您需要安裝該App並簽訂無存摺帳戶合約。
- Q: 這個產品可以在實體分行辦理嗎？
- A: 不行，此定期存款僅限透過「大阪ときめき支店」的手機App辦理，櫃檯恕不提供此服務。
- Q: 最低和最高存款金額是多少？
- A: 最低存款金額為10萬日圓，最高為1,000萬日圓。每人最多可存入3,000萬日圓。
- Q: 如果需要在到期前提取存款怎麼辦？
- A: 原則上不得提前解約。若有萬不得已之情況，將適用中途解約利率。
- Q: 我的存款有保障嗎？
- A: 是的，此定期存款適用存款保險制度，每人最高可獲本金1,000萬日圓及利息的保障。