> For the complete documentation index, see [llms.txt](https://help.daak2.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.daak2.com/zh-tw/fen-qi-yu-ding-cun/fixed-deposit.md).

# 定存

## 建立定存

1. 開啟 **定存**，點一下右上角 **+**。
2. 填寫名稱、本金、年利率和開始日期。
3. 選擇本金帳戶、期限和付息模式。
4. 檢查自動產生的利息計畫並儲存。

| 付息模式         | 使用方式          |
| ------------ | ------------- |
| **到期一次還本付息** | 到期時一次確認本金和利息  |
| **按月付息**     | 每月產生一個待確認利息期數 |
| **按季付息**     | 每季產生一個待確認利息期數 |
| **按年付息**     | 每年產生一個待確認利息期數 |

## 確認利息

1. 點一下定存進入詳細資料。
2. 選擇到期的利息期數。
3. 核對實際入帳金額、帳戶和日期。
4. 儲存後產生利息帳單並更新計畫歷史。

{% hint style="warning" %}
預計利息與銀行實際入帳不同時，請在確認利息時填寫銀行實際入帳金額。
{% endhint %}

## 編輯與刪除

編輯頁可以調整計畫資訊和未確認的利息安排。需要提前結束時，開啟計畫並選擇 **提前結束**；已經結束的計畫可以從定存頁面底部 **已結束**查看。

{% hint style="danger" %}
刪除定存計畫及相關帳單，無法復原。
{% endhint %}


---

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