理财产品作为一种投资工具，受到越来越多人的欢迎。然而，在享受高收益率和安全保障之余，许多投资者却面临着一个共同的问题：理财到期后的资金何时能够到账？尤其是在选择中国最大商业银行之一——工商银行（ICBC）进行理财时，更加引发了广泛关注。

近日，《新闻周刊》记者对这个话题展开深入调查，并揭秘了工商银行处理客户理财产品到期款项的时间流程及相关情况。

首先需要明确的是，不同类型、不同金额以及不同渠道购买的理财产品有着各自独特的处理方式和时间节点。根据《新闻周刊》记者搜集整合得出以下结果：

1. 电子渠道购买
对于通过网上或手机银行等电子渠道购买并持有证书形式（如数字化凭证）或非证书形式（直接记录在系统中）存储型、浮动利率类、结构性存款等各类定制化终端销售机构推介品种，则通常会在T+0至T+3个交易日内完成兑付操作，并将相应本息计算结果显示于用户账户当中。

2. 柜台办理
若您通过柜台向工商银行购买传统居民零售信用标准债权转让型票据与固定利率普通纯公募基金等商品，则待该笔业务确认成功后即可获得实际生效日期；同时还需注意是否存在节假日因素导致延迟清算可能性。

3. 链接其他机构
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