Lump-sum deposit & withdrawal time deposit refers to savings deposit whose principal is deposited at a time with the minimum amount of 50 RMB yuan and whose term is set by the depositor at the time of account opening. The maturities range from three grades: 3 months, 1/2 year, 1 year, 3 years, 5 years. A deposit certificate(passbook) is issued to you after the principal is deposited. When the deposit falls due, the depositor can withdraw the principal and accrued interest with the certificate(bankbook). 整存整取定期储蓄存款是指一次存入本金,起存金额为50元人民币,开户时确定存期的一种储蓄形式。存期分三个月、半年、一年、三年、五年,由储蓄机构发给存单(折),到期凭存单(折)支取本息。

Lump-sum Deposit: http://insuns.com/article/12187-1.html