“存款凭证超过20年作废……”银行员工的一句话令老存单的取款人哑口无言。真的如此吗?法律是权益保护的最后一道防线,笔者从法律的角度审视此事。先说时效,毕竟大部分债权请求权的诉讼时效就两年,那么是否意味着老存单的所有人已失了胜诉权呢?其实法律已考虑到了这点,《最 “Deposit vouchers for more than 20 years void ... ” The bank employee’s speech makes the ATM deposit withdrawers speechless. Really? Law is the last line of defense of the protection of rights and interests, the author from a legal point of view of the matter. Let me talk about prescriptions, after all, the limitation of action for most claims is two years, so does it mean that all owners of certificates of deposit have lost their right to win? Actually, the law has taken this into consideration.