Bank account opening requirements for card opening operation

The requirement for opening a bank account is that you must apply for personal bank account opening business with a real-name authenticated mobile phone number. If the network usage time exceeds 1 year, the bank also needs to review the user's social security information, and stipulate that all the user's personal social security is paid normally, and the charging record is about 1 year. The information of the social security charging enterprise and the bank account opening company must be consistent.

Compared with ordinary debit card accounts, children's bank card service has a single function. Children's special cards of ICBC, Bank of China and Bank of Communications can realize basic service functions such as deposit and withdrawal, consumption and transfer of general debit cards.

The three banks have different restrictions on payment, online banking, wealth management and other functions, and the specific situation is not the same. Among them, if the ICBC Baby Growth Card is opened and an exclusive financial agreement is signed, the bank can provide account management functions such as automatic transfer of excess quota, account change reminder and monthly consumption quota setting. However, children's cards do not support functions such as purchasing wealth management and fund fixed investment. , and you can't enable online banking.

The "Great Wall Flower Season Card" launched by Bank of China for young students under 16 has the function of multiple accounts and the function of receiving and paying money. The card also does not support bank financing and fixed investment. Bank of Communications "Pacific Children Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors themselves cannot handle this business alone.

The discount for children's exclusive card service is very limited, and even some banks have no discount at all. Among them, ICBC exempts 16-year-old "Baby Growth Card" cardholders from the annual fee and account opening fee, but if the average daily balance of the account is less than 300 yuan, it will also charge a small account management fee according to 3 yuan/quarter. In addition, ICBC also gives preferential treatment to parents to transfer and remit money to children under 16.

China Bank's "Great Wall Flower Season Card" has no annual fee reduction. Banks, like ordinary card accounts, charge an annual fee of 10 yuan/card and a small account management fee under the corresponding conditions.

The "Pacific Children's Card" of Bank of Communications has been given a "limited" discount, and those who open a new children's exclusive card can enjoy exemption from the work fee and the annual fee for the first year. From the second year, each card will be charged an annual fee of 10 yuan. The small account management fee of Bank of Communications is only for passbook customers, and all bank card customers do not charge this fee.

Children's Card is a children's financial card launched by Minsheng Bank nationwide. The card has specially prepared financial package products suitable for children and families, including education savings, smart financial products and growth financial products.

This card has the function of debit card, and you can also choose additional products, such as "current savings+instant messaging with parents' account information", so that parents can keep abreast of their children's consumption trends. Education savings are aimed at students above the fourth grade of primary school, so that parents can prepare their children for college in advance. Qian Shengqian Plan B is a value-added wealth management product aimed at young people's short-term and large educational funds. From the date of deposit, interest will be settled automatically every day (the shortest day) according to the call deposit interest rate of the corresponding currency, and the principal and interest of the previous interest settlement date will be automatically transferred to the next interest period, with compound interest, which can be withdrawn at any time. The initial application amount is 50,000 yuan.