Class I bank cards are often referred to as Class I accounts. Class I accounts have the following characteristics:
1. A unique number of holdings:
One bank Only one Category I household can be applied for.
2. Wide range of functions:
Type I account is a full-featured bank settlement account, which must be verified at the counter or through a bank self-service machine, and verified by bank staff face-to-face on-site. After opening, depositors can handle all financial services such as deposits, purchasing financial products and other financial products, cash withdrawals, transfers, consumption and payment through Type I accounts.
3. There is no limit on transactions:
There is no limit on transactions for Category I accounts.
Extended information:
Introduction to Type II and Type III accounts:
Type II and Type III bank accounts can be opened over the counter or through The electronic channel is opened non-face-to-face, but it must be bound to my Class I bank account or credit card account for identity verification.
Type II accounts can handle deposits, purchase investment and financial products and other financial products, limit consumption and payment, and transfer funds to unbound accounts within limits. Upon face-to-face identity verification by bank staff, Category II accounts can also handle cash deposits and withdrawals, fund transfers to unbound accounts, and can be issued physical bank cards.
Among them, the total daily cumulative limit for transferring funds and depositing cash into unbound accounts of Type II households is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; consumption and payment, to unbound accounts The total daily cumulative limit for transferring funds and withdrawing cash is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan.
Category III accounts have the least authority and can only handle limited consumption and payment, and limited transfer of funds to unbound accounts. Category III accounts can also handle unbound account fund transfers through bank counters, self-service equipment and on-site identity verification by bank staff.
Among them, the account balance of Category III accounts shall not exceed 1,000 yuan; the daily cumulative limit of fund transfer to unbound accounts is 5,000 yuan, and the annual cumulative limit is 100,000 yuan; consumption and payment payments, to unbound accounts The total daily cumulative limit for transferring funds out of the account is 5,000 yuan, and the total annual cumulative limit is 100,000 yuan.
Reference material: Xinhuanet-New bank regulations: Wrong account transfers can be reversed from tomorrow and account classification is safer