推荐回答（3个）
定期储蓄种类
种 类 特 点 期 限 利 息
整存整取 约定存期，整笔存入，到期一次支取本息。
起存金额50元，可提前支取或部分提前支取一次。 三个月、六个月、一年、二年、三年、五年 按存入时的约定利率计息，利随本清。如提前支取，则提前支取部分按活期计息，剩余部分仍按定期计息。
零存整取 约定存期，每月存入固定金额，积零成整，到期一次支取本息。
5元起存，可提前支取，但不可部分提前支取。 一年、三年、五年 计息按实存金额和实际存期计算，按国家公布利率计息。
利率略高于活期，略低于整存整取。
定活两便 起存金额50元，存款时不定存期，可随时支取。
是介于活期与定期之间的一种储蓄。 不定存期，可随时支取。 存期超过一年以上的，均按一年整存整取利率的六折计息。
存本取息 本金一次存入，约定存期，到期自动转存或一次支取本金。
起存金额5000元。 一年、三年、五年 利息凭活期存折按约定周期分期支取，取息周期分为1个月、2个月、3个月、4个月、5个月、6个月。
利率介于活期与整存整取之间。
申请办法
采用实名制，持本人有效身份证明到信社网点办理开户手续。如代办，需同时出示代理人身份证明。
服务渠道 信用社网点。
建议存整存整取啊，合算得多，
也许是那位办事员不想办吧，也许没办过不会办
没有定活两便的存折，定活两便只能是存单
钱要是比较多的话，可以去咨询工行工作人员看什么业务你的收益更多，例如办理理财业务或是货币基金等。
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