通(tong)知(zhi)存(cun)(cun)款是指存(cun)(cun)款時不(bu)約(yue)定(ding)(ding)(ding)存(cun)(cun)款期(qi)限，儲(chu)戶可(ke)可(ke)隨(sui)時支取(qu)，但支取(qu)前需提前通(tong)知(zhi)銀行約(yue)定(ding)(ding)(ding)支取(qu)的時間和金額。兼有活期(qi)存(cun)(cun)款與定(ding)(ding)(ding)期(qi)存(cun)(cun)款的性質，利(li)率視通(tong)知(zhi)期(qi)限的長短(duan)而定(ding)(ding)(ding)，一般較活期(qi)存(cun)(cun)款高，但又比定(ding)(ding)(ding)期(qi)存(cun)(cun)款低。

通(tong)知存款和定期存款的區別(bie)

1、存(cun)(cun)(cun)(cun)(cun)(cun)期(qi)不同(tong)：通(tong)知存(cun)(cun)(cun)(cun)(cun)(cun)款是不約(yue)定(ding)(ding)存(cun)(cun)(cun)(cun)(cun)(cun)款期(qi)限、一次性存(cun)(cun)(cun)(cun)(cun)(cun)入、可多次支(zhi)取(qu)(qu)的(de)存(cun)(cun)(cun)(cun)(cun)(cun)款，存(cun)(cun)(cun)(cun)(cun)(cun)期(qi)有(you)一天和七(qi)天通(tong)知存(cun)(cun)(cun)(cun)(cun)(cun)款;而定(ding)(ding)期(qi)存(cun)(cun)(cun)(cun)(cun)(cun)款是有(you)固(gu)定(ding)(ding)存(cun)(cun)(cun)(cun)(cun)(cun)期(qi)，并且(qie)分為：整存(cun)(cun)(cun)(cun)(cun)(cun)整取(qu)(qu)、零存(cun)(cun)(cun)(cun)(cun)(cun)整取(qu)(qu)、存(cun)(cun)(cun)(cun)(cun)(cun)本取(qu)(qu)息的(de)一種儲(chu)蓄存(cun)(cun)(cun)(cun)(cun)(cun)款，存(cun)(cun)(cun)(cun)(cun)(cun)期(qi)有(you)：三個月、半年(nian)、一年(nian)、二年(nian)、三年(nian)、五年(nian)，到期(qi)后可以約(yue)定(ding)(ding)轉存(cun)(cun)(cun)(cun)(cun)(cun)也(ye)可以本息一同(tong)取(qu)(qu)出。

2、定義不同：所謂(wei)通(tong)(tong)知(zhi)存款(kuan)就是要取(qu)出(chu)的時候要提前通(tong)(tong)知(zhi)銀行，分(fen)為一天通(tong)(tong)知(zhi)存款(kuan)和七天通(tong)(tong)知(zhi)存款(kuan)兩種;而定期(qi)存款(kuan)提前支取(qu)不需要告知(zhi)銀行。

3、起點、靈活性不同：通知存(cun)(cun)款(kuan)(kuan)5萬起存(cun)(cun)，這一點跟銀行(xing)理財產品類似，且(qie)流動(dong)性強，可(ke)以提(ti)前(qian)支(zhi)(zhi)取(qu)。如果不支(zhi)(zhi)取(qu)則會將存(cun)(cun)款(kuan)(kuan)的本金和利息(xi)進行(xing)自動(dong)滾存(cun)(cun);定期存(cun)(cun)款(kuan)(kuan)50元(yuan)起存(cun)(cun)，起點很低，如果提(ti)前(qian)支(zhi)(zhi)取(qu)利息(xi)會有損失。相(xiang)比而言，通知存(cun)(cun)款(kuan)(kuan)靈活性好些。

4、適(shi)合(he)群體(ti)不同：通知(zhi)存款適(shi)合(he)存款5萬以上不確(que)定什么時(shi)(shi)候用(yong)錢的投(tou)資(zi)者，特(te)別是有大(da)額、存取較頻(pin)繁的投(tou)資(zi)者，而定期(qi)存款適(shi)合(he)明確(que)資(zi)金(jin)閑置時(shi)(shi)間的投(tou)資(zi)者。