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The Central Bank's notice requires that banks manage the accounts into one class, two classes and three classes.
Accounts opened through traditional bank counters that meet all the strict requirements of the real-name system are set up as full-featured Class I accounts. Depositors can make deposits, purchase investment and wealth management products and other financial products, withdraw cash, transfer funds, consume and pay bills through the first class account.
In addition, in order to meet the needs of depositors, two types and three types of accounts will also be opened.
The biggest difference between the second type of account and the first type of account is that they cannot access cash or transfer money to non-binding accounts. Banks set a single-day payment limit of RMB 10,000 for Type II accounts.
The biggest difference between a Type 3 account and a Type 2 account is that it can only handle small purchases and bill payments, and cannot handle other businesses. Banks set a limit of 1,000 RMB account funds for Category 3 accounts, and the remaining funds are returned to Category 1 accounts of the same name.
In short, as long as a bank customer has a Class 1 account at any bank, they can open Class 2 and Class 3 accounts at other banks in a more convenient way, such as self-service machines and electronic channels, etc. However, Class 2 and Class 3 accounts are limited in terms of single-day payment limits, account balances, and so on.
Question 2: What does it mean to have two types of bank card accounts? The state restricts the same bank and the same ID card can only apply for four bank cards
which can only have a class I account
The other bank cards can only apply for two or three types of accounts
The details are as follows:
Class I account is a full-featured account, which is a debit card that we know well, and it can be used to make deposits, transfer funds, consume fees and purchase investment and financial products, withdraw cash, etc. The scope and amount of use is not subject to the limitations of the account. The use of the card is not limited to the scope of use and the amount of money. Individuals' paychecks, large-value transfers, bank-certificate transfers, and payments and contributions to medical insurance, social insurance, pensions, and provident funds should be handled through Type I accounts.
Class II accounts can handle deposits, purchase of investment and wealth management products and other financial products, limited consumption and payment of fees, and limited transfer of funds to non-binding accounts. By the bank counter, self-service equipment to the bank staff on-site face-to-face to confirm the identity of the Ⅱ type of households can also be access to cash, non-binding account funds transfer business, you can be issued with a bank card entity card. Among them, the Ⅱ type of household non-binding account transfer funds, deposit cash daily cumulative limit of 10,000 yuan, the annual cumulative limit of 200,000 yuan; consumption and payment of fees, to the non-binding account transfer funds, take out the cash daily cumulative limit of 10,000 yuan, the annual cumulative limit of 200,000 yuan.
Class III accounts can handle the business of limited consumption and payment of fees, and limited transfer of funds to non-binding accounts. By the bank counter, self-service equipment to the bank staff on-site face-to-face to confirm the identity of the Ⅲ type of households 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.
Question 3: What is a class I account, what is a class II account From December 1, the same person in the same bank can only open a class I account, has opened a class I account, and then a new account should be opened class II account or class III account, in the same payment institution can only open a class III account.
A class of accounts can only handle one account, Ⅰ class account, refers to the traditional bank counter opening, to meet all the strict requirements of the real name system account. Simply put it is the savings card or debit card you hold in your hand. Its functions include deposits, purchase of financial products, cash withdrawals, transfers, consumption, and payment of bills and payments.
Class II accounts are accounts that can't access cash or transfer money to non-binding accounts, and these accounts have a single-day payment limit of 10,000 yuan. This is the case with credit cards, for example.
Class III accounts are mainly used for fast payment such as flash payment, secret payment, etc., only for small consumption and payment, not for other business, the balance of the account does not exceed 1,000 yuan. The balance in the account does not exceed 1,000 yuan. The limit for Class II and Class III accounts is mainly to effectively control the risk of customer funds.
Question 4: What is the difference between a class I account and a class II account? If it is a China Merchants Bank card, the bank's account categorization and management is as follows:
Class I account: a card (including electronic card), settlement passbook, wealth account (not accepting the new account)
Class II account: I wealth account (not accepting the new account), a Netcom account, a card (II)
Class II account: I finance account (not accepting the new account), a Netcom account, a card (II) <
Class III account: independent electronic cash account (touch card) (not accept new accounts)
Class II account does not support business: does not support the third-party depository, a flash pass, silver insurance pass, bank transfer
Incoming amount limit: all types of incoming (excluding the transfer of the bound card, loan disbursement, redemption of wealth management) ≤ 10,000 / day, 200,000 / year
Outgoing amount limit: all kinds of outgoing accounts (excluding bound card transfer, loan repayment, purchase of wealth management) ≤ 10,000 / day, 200,000 / year
Question 5: Banks are now divided into one type of account and two types of accounts, such as what is the difference? I personal bank settlement account is a full-featured account, can be used for large deposits, withdrawals, transfers, consumption and payment, purchase of investment products, etc.;
Ⅱ type of account can be handled deposits, the purchase of investment products and other financial products (refers to the purchase of the bank's self-owned or agent sales of investment products, such as financial products), the limit of consumption and payment, the limit of the transfer of funds to the non-binding account business;
p> Class III accounts can handle limit consumption and payment of fees, limit transferring funds to non-binding accounts.
Question 6: Difference between Level 1 and Level 2 bank accounts The bank's enterprise accounts are divided into basic accounts (Level 1), general accounts (Level 2), temporary accounts, special accounts, etc. The bank's enterprise accounts are divided into basic accounts (Level 1), general accounts (Level 2), temporary accounts, and special accounts.
The basic account opened by the enterprise in the bank can only open a, and is the only one, for the enterprise to withdraw cash, payroll use, but also the tax authorities to verify the main source of business income.
The general deposit account (secondary account) can be opened in a number of banks more than one, used for the daily operation of the enterprise payment, bank financing, etc., the secondary account can be opened more than one, this is not subject to restrictions.
Question 7: How to identify the bank card for a class of account or a class of account Entity card for a class of account, from December 1, the same person in the same bank can only open a class of account, has opened a class of account, and then a new account should be opened class of account or class of account, in the same payment institution can only open a class of account.
A class of accounts can only handle one account, Ⅰ class account, refers to the traditional bank counter opening, to meet all the strict requirements of the real name system account. Simply put it is the savings card or debit card you hold in your hand. Its functions include deposits, purchase of financial products, cash withdrawals, transfers, consumption, and payment of bills and payments.
Class II accounts are accounts that can't access cash or transfer money to non-binding accounts, and these accounts have a single-day payment limit of 10,000 yuan. This is the case with credit cards, for example.
Class III accounts are mainly used for fast payment such as flash payment, secret payment, etc., only for small consumption and payment, not for other business, the balance of the account does not exceed 1,000 yuan. The balance in the account does not exceed 1,000 yuan. The limit for Class II and Class III accounts is mainly to effectively control the risk of customer funds.
Question 8: What is the difference between the first and second categories of bank cards? Class Ⅰ account generally refers to the debit card we now commonly use; you can access cash, wealth management, transfer, payment, payment, etc., the use of which is not subject to limitations on the amount.
Class Ⅱ is similar to credit cards, mainly responsible for daily larger expenses, or financial management, investment, etc.; Class Ⅱ account funds from Class Ⅰ account, including the account opened in the direct bank and Internet banks such as Weizhong Bank, etc., Class Ⅱ account can be used for deposits, purchase of bank investment and wealth management products, consumption and payment of fees and so on. However, the biggest difference with Class I accounts is that Class II cannot access cash or transfer money to non-binding accounts. At the same time Class II bank card accounts have a daily transfer limit of 10,000 yuan and an annual transfer limit of 200,000 yuan.
Class Ⅲ account is a small amount of network payment business, similar to WeChat wallet, which is suitable for high-frequency small amount of mobile payment. Class Ⅲ accounts are mainly used for network payments, offline cell phone payments and other small payments, and can handle consumption payments. The biggest difference with Ⅰ, Ⅱ type of household is that Ⅲ type of household can only handle small amount of consumption and bill payment, and shall not handle other business.
Question 9: What is the meaning of a secondary bank account or bank clearing account? The nature of the second account is said to be a bank clearing account, and the second account is a bank clearing account of a secondary account. For example: a company opened a bank deposit - Construction Bank of this first-level account, this account itself is a bank clearing account, you can establish a second-level account: bank deposits - Construction Bank - Gemstone Branch. From a financial point of view: bank deposits are defined as a primary account of course, the company can not only have a bank account, such as the construction bank, the Agricultural Bank of China, China Merchants Bank, etc. This time you need to establish a secondary account bank deposits - construction bank (bank account) bank deposits - Agricultural Bank of China (bank account) bank deposits - China Merchants Bank (bank account) These are what we call the bank clearing account