¶¶Òõ¶ÌÊÓƵ

All Countries
Banking
Certificate Of Deposit Agreement

Certificate Of Deposit Agreement Template for Switzerland

Create a bespoke document in minutes,  or upload and review your own.

4.6 / 5
4.8 / 5

Let's create your Certificate Of Deposit Agreement

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get your first 2 documents free

Your data doesn't train Genie's AI

You keep IP ownership of your information

Key Requirements PROMPT example:

Certificate Of Deposit Agreement

"I need a Certificate of Deposit Agreement for a Swiss private banking client depositing 500,000 CHF for a 24-month term starting March 1, 2025, with quarterly interest payments and standard early withdrawal provisions."

Celebrated by
Collaborations with
Investors
Document background
The Certificate of Deposit Agreement is a crucial banking document used when an individual or corporate client wishes to make a fixed-term deposit with a Swiss financial institution. This agreement is essential for establishing the legal framework of the deposit relationship, detailing the specific terms such as deposit amount, interest rate, maturity date, and withdrawal conditions. The document ensures compliance with Swiss banking regulations, including the Swiss Banking Act and FINMA requirements, while providing clear documentation of the parties' rights and obligations. It's particularly important in Switzerland's sophisticated banking sector, where precise documentation and regulatory compliance are paramount. The agreement also addresses deposit protection schemes, tax implications, and other relevant Swiss legal requirements.
Suggested Sections

1. Parties: Identification of the financial institution and the depositor(s), including full legal names and addresses

2. Background: Brief context explaining the purpose of the agreement and the intention to establish a certificate of deposit

3. Definitions: Key terms used throughout the agreement, including technical banking terms and regulatory references

4. Deposit Terms: Core terms including principal amount, interest rate, term length, and maturity date

5. Interest Calculation and Payment: Method of interest calculation, frequency of interest payments, and payment procedures

6. Term and Maturity: Duration of the deposit, maturity date, and renewal terms if applicable

7. Early Withdrawal: Conditions and penalties for early withdrawal of the deposit

8. Fees and Charges: Any applicable fees, charges, or deductions

9. Deposit Protection: Information about deposit protection schemes and regulatory safeguards

10. Tax Considerations: Tax implications and withholding requirements

11. Notices: Methods and requirements for communications between parties

12. Governing Law and Jurisdiction: Specification of Swiss law as governing law and jurisdiction for disputes

13. Signatures: Execution block for all parties

Optional Sections

1. Joint Account Provisions: Required when the CD is held by multiple depositors, defining rights and obligations of joint holders

2. Electronic Services: Include when online access or electronic statements are provided

3. Power of Attorney: Include when a third party is authorized to act on behalf of the depositor

4. Special Instructions: For any specific handling requirements or non-standard arrangements

5. Foreign Currency Provisions: Required when the CD is denominated in a currency other than Swiss Francs

6. Death/Incapacity: Procedures in case of death or incapacity of the deposit holder

7. FATCA Compliance: Required for U.S. persons or when U.S. tax reporting is relevant

Suggested Schedules

1. Schedule A - Interest Rate Details: Detailed breakdown of interest rates, including any tiered rates or special conditions

2. Schedule B - Fee Schedule: Comprehensive list of all applicable fees and charges

3. Schedule C - Early Withdrawal Penalties: Detailed calculation method for early withdrawal penalties

4. Appendix 1 - Regulatory Disclosures: Required disclosures under Swiss banking laws and regulations

5. Appendix 2 - Tax Forms: Relevant tax forms and declarations

6. Appendix 3 - Specimen Signatures: Authorized signatures for the account

7. Appendix 4 - Terms and Conditions: General terms and conditions of the bank applicable to CDs

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions









































Clauses




































Relevant Industries

Banking

Financial Services

Wealth Management

Corporate Treasury

Investment Services

Private Banking

Retail Banking

Relevant Teams

Legal

Compliance

Treasury

Wealth Management

Retail Banking

Corporate Banking

Operations

Risk Management

Product Development

Client Services

Financial Control

Documentation

Relevant Roles

Bank Manager

Relationship Manager

Treasury Manager

Compliance Officer

Legal Counsel

Financial Advisor

Investment Manager

Account Manager

Risk Manager

Product Manager

Operations Manager

Corporate Treasurer

Chief Financial Officer

Banking Operations Officer

Client Service Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Overcontract

A Swiss law framework agreement establishing general terms and conditions for future specific contracts between parties, governed by the Swiss Code of Obligations.

find out more

Current Account Agreement

Swiss law-governed agreement establishing terms and conditions for operating a bank current account, including associated banking services and regulatory compliance requirements.

find out more

Bookkeeping Agreement

Swiss law-governed agreement defining bookkeeping services, obligations, and terms between a service provider and client.

find out more

Loan Account Agreement

Swiss law-governed agreement establishing terms and conditions for a loan account facility between a bank and borrower, including operational and regulatory requirements.

find out more

Bank Deposit Agreement

Swiss law-governed agreement establishing terms and conditions for bank deposit accounts, compliant with Swiss banking regulations and financial laws.

find out more

Bank Account Contract

A Swiss-law governed agreement establishing the terms and conditions for banking services between a financial institution and account holder, incorporating Switzerland's specific banking regulations and privacy requirements.

find out more

Client Account Agreement

Swiss law-governed agreement establishing terms and conditions for banking relationship between financial institution and client, incorporating Swiss banking regulations and compliance requirements.

find out more

Time Deposit Agreement

A Swiss law-governed agreement establishing terms for a fixed-term bank deposit, including amount, duration, interest, and regulatory compliance requirements.

find out more

Account Bank Agreement

Swiss law-governed agreement establishing the terms and conditions for banking services and account operations between a bank and its client.

find out more

Securities Account Control Agreement

A Swiss law-governed tripartite agreement establishing control rights over securities accounts between an account holder, secured party, and securities intermediary.

find out more

Joint Account Agreement

Swiss law-governed agreement establishing terms and conditions for operating a joint bank account between multiple account holders and a Swiss bank.

find out more

Account Opening Agreement

A Swiss-law governed agreement establishing the terms and conditions for opening and maintaining a bank account, compliant with Swiss banking regulations and financial laws.

find out more

Certificate Of Deposit Agreement

A Swiss law-governed agreement establishing terms for a fixed-term deposit between a bank and depositor, including interest rates, term length, and regulatory compliance requirements.

find out more

Account Receivable Purchase Agreement

Swiss law-governed agreement for the purchase and transfer of accounts receivable, establishing terms, pricing, and operational procedures between seller and purchaser.

find out more

Download our whitepaper on the future of AI in Legal

By providing your email address you are consenting to our Privacy Notice.
Thank you for downloading our whitepaper. This should arrive in your inbox shortly. In the meantime, why not jump straight to a section that interests you here: /our-research
Oops! Something went wrong while submitting the form.

³Ò±ð²Ô¾±±ð’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; ³Ò±ð²Ô¾±±ð’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

Our bank-grade security infrastructure undergoes regular external audits

We are ISO27001 certified, so your data is secure

Organizational security

You retain IP ownership of your documents

You have full control over your data and who gets to see it

Innovation in privacy:

Genie partnered with the Computational Privacy Department at Imperial College London

Together, we ran a £1 million research project on privacy and anonymity in legal contracts

Want to know more?

Visit our for more details and real-time security updates.

Read our Privacy Policy.