The certificate's return is deposited into the payment account or the method linked to the certificate at the time of purchase, depending on the product.
Key points
Before relying on it for monthly expenses, verify the account number, payment frequency, and the date of the first return.
If the account is closed or changed, contact the bank before the payment date.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.