图 片来源：视觉中国 智通财经记者 | 张晓云 近日，厦门思明法院发布的一则调解案例显示，66岁的魏阿婆存了27年的2万元定期存款取出时，由于 存单上未标志自动转存，获得利息不到5000元，导致存的养老钱"缩水"。假如银行执行自动转存，魏阿 婆获得利息差值超2.8万元。 法官从卷宗里不起眼的取款凭条入手，发现银行系统里并没有为魏阿婆办理自动转存业务。最后，在法 官与厦门金融司法协同中心消费者保护工作站驻站银行调解员的合作下，银行和魏阿婆达成以一年期自 动转存总利息收益为限的人文关怀金补偿方案。 智通财经采访了解到，"自动转存"业务，源于1992年修订的《储蓄管理条例》。随着时代的变迁、科技 的进步、监管政策的变化，大致可以分为三个阶段：不自动转存、自动转存1-3次和自动转存无限次。 魏阿婆的存单横跨手工转电子时代。自动转存业务究竟是谁的义务？为何银行存在不合理之处？ 基本案情 1997年，魏阿婆在银行存入定期存款2万元，银行开立2张手工存单为凭。直到2024年底，魏阿婆才前往 银行要求支取存款。让她吃惊的是，银行工作人员在结算后仅仅支付给她不到5000元利息。 银行工作人员解释说：因为存单是早期手工开具的，存 ...

Core Viewpoint - The case highlights a dispute between a customer and a bank regarding the handling of a long-term deposit, where the customer expected automatic renewal of the deposit but was instead given minimal interest due to the bank's failure to process the renewal correctly over the years [1][2][4]. Group 1: Background of the Case - In 1997, a customer deposited 20,000 yuan in a bank with a manual deposit slip, expecting it to be automatically renewed [2]. - By the end of 2024, the customer was shocked to find that the bank had only paid less than 5,000 yuan in interest [1][2]. - The bank claimed that the manual deposit slip did not specify automatic renewal, thus the funds were treated as current deposits [2][3]. Group 2: Customer's Argument - The customer argued that the bank had assured her that the deposit would be automatically renewed, leading her to trust the bank with her funds [2][3]. - She believed that other financial institutions would typically handle automatic renewals in similar situations, and the bank's failure to do so violated her rights [2][3]. Group 3: Bank's Defense - The bank maintained that it had no legal obligation to renew the deposit automatically since the terms did not specify such an arrangement [2][3]. - The bank's legal representatives cited the "priority of agreement" clause in the Savings Deposit Regulations to support their position [3]. Group 4: Resolution of the Dispute - An investigation revealed that the bank had initially processed the deposit correctly but failed to transfer the automatic renewal feature when converting from manual to electronic records in 2003 [4]. - After recognizing the oversight, the bank offered a compensation plan based on the interest that would have been earned had the deposit been automatically renewed [5]. - The customer accepted the compensation, reflecting a resolution that acknowledged both legal and social considerations in the context of evolving banking practices [5].

Group 1 - The article emphasizes the importance of being cautious with fixed-term deposits upon maturity, especially for elderly individuals [1] - Automatic renewal of fixed-term deposits may not be beneficial due to lower interest rates compared to manually reinvesting [2][4] - Trusting bank staff recommendations can lead to unintended investments in higher-risk financial products instead of safe deposits [5][7] Group 2 - Choosing the wrong term for a fixed deposit can lead to liquidity risks, especially if funds are needed before the term ends [8][10] - It is suggested to explore alternative investment options for short-term and medium-term funds to ensure better liquidity and returns [10]