The second method: direct upgrade. If we don't have a Category 1 card at the bank, we can directly upgrade our Category 2 card to a Category 1 card;
The third method: canceling a Category 1 card. If we already have a Category 1 card in the bank, but we don't use it often, then we can just cancel the original Category 1 card. After canceling the card, you can then upgrade the card to a Class 1 card. This way, the original two types of cards will be changed to one type of card.
What is the difference between a Category 1 card and a Category 2 card at Post Office Savings Bank?
1, the essence of the different
Postal Savings Bank, a card that is Ⅰ type of account, the second type of card that is Ⅱ type of account, which, Ⅰ type of account is a full-featured account, are familiar with the debit card, generally refers to the traditional bank counter opening, to meet all the strict requirements of real-name system account. Simply put it is the savings card or debit card you hold in your hand.
2, support business is different
II type of account does not support the business of third-party depository, bank insurance pass, bank certificate transfer, foreign currency access, electronic cash account, consumption easy, turnover easy. Except for the above unsupported businesses, all other businesses are supported, such as Professional, Settlement, Funds, Wealth Management, Cash Access, Loan Origination and Repayment, Online Payment, Overseas Consumption, etc. and all One-Shot Passes except HCE and Ese are supported.
The payroll, large-value transfers, bank-certificate transfers, as well as the payment and disbursement of medical insurance, social insurance, pension and provident fund for individuals in Type I accounts should be handled through Type I accounts.
3. Different limitations on the amount of outgoing and incoming accounts
The incoming accounts of all types of Class II accounts (excluding the transfer of bound cards, loan disbursement, and redemption of wealth management) are ≤10,000/day and 200,000/year; the outgoing accounts of all types of accounts (excluding the transfer of bound cards, repayment of loans, and purchase of wealth management) are ≤10,000/day and 200,000/year.
Banking Class II accounts may be relatively common accounts, daily consumption of credit cards, online shopping, network payment, etc. are using the bank Class II accounts. In other words, it is the bank's Type II account that is mainly relied upon for daily consumption.
The main feature of a Type II bank account is that it is very easy to use and involves a relatively small amount of money. According to the current regulations, the use of bank Ⅱ account consumption payment, non-binding account fund transfer, access to cash have been made restrictions.
China's state-owned commercial banks, joint-stock commercial banks and other commercial banks will realize by June 2018 the electronic channel Ⅱ type account opening. That is to say, in the future, you can online banking, mobile banking, direct banking, smart teller machines and so on to open Class II accounts, without the need to go to the bank counter in person.
In addition to Class Ⅰ and Class Ⅱ accounts, there are Class Ⅲ accounts, which can be used for limited consumption and bill payment, and limited transfer of funds to non-binding accounts. By the bank counter, self-service equipment plus the bank staff on-site face-to-face confirmation of identity.
The Ⅲ type of household can also handle non-binding account funds transfer business. Among them, Ⅲ account balance shall not exceed 1000 yuan; non-binding account funds transfer to the cumulative daily limit of 5000 yuan, the annual cumulative limit of 100,000 yuan; consumption and bill payment, to the non-binding account to transfer funds to the cumulative daily limit of 5000 yuan, the annual cumulative limit of 100,000 yuan in total.