What does it mean to open an account with a bank card?

The meaning is very broad, as follows:

The bank shall open a personal bank account for the depositor, and the depositor shall issue the following valid certificates:

1. China citizens who live in China and are over the age of 16 should show their resident identity cards or temporary id card (if they open an account in temporary id card, they should go to the account opening outlets with their official identity cards before the expiration of temporary id card);

2, soldiers, armed police have not yet handled the identity card, can be issued by the military, armed police identity documents;

3. Overseas Chinese living in China or abroad can issue China passports;

4. China citizens under the age of 65,438+06 living in China should be represented by their guardians to open personal bank accounts, and show their valid identity documents and the resident identity card and household registration book of the account user (if the household registration book can prove guardianship, only the household registration book can be shown; If the household registration book cannot prove the guardianship relationship, in addition to the household registration book, a medical certificate of birth is required);

5. Residents of Hong Kong and Macao Special Administrative Regions issue passes for residents of Hong Kong and Macao to and from the Mainland; Taiwan Province residents should issue mainland travel permit for taiwan residents or other valid travel documents;

6. Foreign citizens shall issue passports or permanent residence permits for foreigners (for foreign border residents, it shall be handled according to the relevant provisions on border trade settlement).

note:

(1) In addition to the above-mentioned legally binding documents, the bank may also require depositors to issue household registration books, passports, work permits, motor vehicle driving licenses, social security cards, water and electricity bills, student ID cards, letters of introduction and other valid documents or certificates that can prove their identity.

Further confirm the identity of depositors.

(2) The rules for handling debit cards in Ningbo are as follows: a. If the agency relationship is immediate family members (that is, husband and wife, children and parents), the household registration book, the certificate of the local police station or marriage certificate shall be provided; B. When an agency opens an account, it shall provide the certificate of the agency and the valid certificate of the person in charge of the agency. Other agencies shall not be handled in principle. Please consult the local outlets for details. C. To open an account on behalf of others, the original ID cards of the agent and the principal must be provided at the same time (if the principal is a minor, the household registration book is required), and the original ID cards must be registered.

(3) In other regions, others are allowed to open personal bank accounts on their behalf under the following two circumstances: a. Authorized agents, depositors authorize designated agents to handle designated business, and banks should require agents to issue valid identity documents and legal power of attorney for agents and principals.

Guardians' agents, minors' guardians' agents and adults with no or limited capacity for civil conduct handle business. If the bank deems it necessary, it shall require the agent to issue a notarial certificate to prove the agency relationship, and no more than three debit cards shall be opened by others.

China citizens under the age of 16 who live in China should be represented by their guardians to open personal bank accounts, and show their valid identity documents and the resident identity card and household registration book of the account user (if the household registration book can prove the guardianship relationship, only the household registration book can be shown; If the household registration book cannot prove the guardianship relationship, in addition to the household registration book, a medical certificate of birth is required);

According to the relevant regulations, in order to simplify and facilitate the use of personal accounts, since 20 16 12 1, the same person who has one or more Class I current settlement accounts in the same bank will not be able to open new Class I accounts. Most of the current settlement accounts opened at the counter before are of the same type and can still be used without being affected.

Class I accounts provide depositors with services such as deposit, purchase of financial products such as investment and wealth management products, transfer, consumption, payment and cash withdrawal.

Class II accounts can handle deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. The second type of family, whose identity is confirmed in person by bank staff through bank counters and self-service equipment, can also be equipped with physical debit cards to handle cash deposit and withdrawal and fund transfer in unbound accounts.

Class III accounts can handle limited consumption and payment, and restrict the transfer of funds to unbound accounts. Three types of households, whose identity is confirmed by bank staff through bank counters and self-service equipment, can also transfer money from unbound accounts. At present, some banks do not have Class III accounts.