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The EPF card is a co-branded bank card issued by a local housing fund management center in cooperation with a local bank. The card can replace a single provident fund card, taking into account the handling of financial services and provident fund business, your provident fund account information you can hold the card to the local housing fund management center set up the relevant channels to query, the bank ATM equipment can query to your provident fund co-branded card financial account information, not the provident fund account information. Therefore, it is possible that the balance is zero. If you deposit cash or conduct financial business, your joint CPF card is used for the financial account.
Financial accounts and CPF accounts are stored independently of each other. They do not affect each other.