What are the signs of the first, second and third types of savings cards?

Each person can only open 1 Class I account (savings card) in the same bank, and bank savings cards are divided into Class I, Class II and Class III. Many users are not very clear about this, and Xiao Zhao specially invited professionals to answer this question.

How to distinguish the first, second and third types of cards? Take China Merchants Bank as an example. The best way is to use the version of China Merchants Bank APP 8.0 to query.

After logging in to mobile banking, click "My" in the lower right corner and select "Bank Card" in the upper left corner to see the card type. If only the savings card is displayed, it is a class I account; If the savings card (Class II) is displayed, it is a Class II all-in-one card.

If the card number at the beginning of 62 12 of the Netcom account is displayed, it is a virtual account of Netcom, and the Netcom account is also a second-class account.

The main difference between the first, second and third types of cards lies in their functions and limitations.

A type of card: a bank account in the traditional sense is a full-featured account with no limit.

Second-class card: it has the function of "financial management+consumption" and can purchase financial products and pay for consumption. However, it should be noted that when it is paid for consumption, the daily limit is 6,543,800+0,000 yuan.

Class III card: only small consumption and payment can be made, with a limit of 1 1,000 yuan.

Simply put, the first type of account is equivalent to the vault, which is the basic account, the second type of account is the consumption account, and the third type of account is the electronic payment account. Customers can handle different accounts according to their different needs, so classification can help customers establish a secure firewall between the first, second and third types of accounts.

1 account refers to the account opened through the traditional bank counter, which meets all the strict requirements of real-name registration system. Simply put, it is a savings card or debit card in your hand. Its functions include deposit, purchase of wealth management products, withdrawal of cash, transfer, consumption and payment.

Type 2 accounts cannot access cash or transfer money to unbound accounts, and the daily payment limit of such accounts is 654.38+100000 yuan. For example, credit cards are like this.

Type 3 households are mainly used for quick payment, such as flash payment, confidential payment, etc., and can only handle small consumption and payment, and cannot handle other businesses. The indoor balance does not exceed 65,438+0,000 yuan. Category II and III families do not have physical cards. For Class II and Class III households, the main purpose is to effectively control the capital risk of customers.

Each person can only handle one Class I account in the same bank, and the number of Class I, II and III accounts shall not exceed four. But social security cards and military insurance cards are not included! Social security cards and military insurance cards can enjoy the function of first-level accounts, and it does not affect their handling of first-level accounts. However, many banks need to deal with the account types of social security cards and military insurance cards before they can handle a class of accounts, which are generally treated as other accounts.

Personal bank accounts handled before 20 16 12 1 are all Class I accounts, which is not affected by the fact that each bank can only handle one Class I account. However, you can no longer apply for a Class I account in the same bank.

That is to say, if you set up three cards in a bank before 20 16 12, and all three cards are primary accounts, but you can't apply for a primary account in this bank in the future, you can only set up a secondary account. If you really want to apply, you can, then the previous three tier-one accounts must be downgraded.

Since the implementation of the new regulations of the central bank on February 20 16/day, everyone can only open a 1 tier 1 account (savings card) in the same bank. If you already have a class I savings card in the same bank, if you want to apply for a savings card in the same bank, you can only apply for a class II or III savings card.

When it comes to the marks on the first, second and third cards, most bank savings cards are not marked. Individual banks can really see how many kinds of cards they have from the cards. Some cards have the number 2, and some cards have the number II. However, if you want to identify what kind of card your savings card is, it is not accurate to distinguish it from the cards, because one type of card can be downgraded to two or three types of cards, and the same two types of cards can also be upgraded to one type of card.

How to accurately judge the types of savings cards is relatively simple. The cardholder only needs to dial the national customer service phone number of the issuing bank, enter the complete savings card number and make voice inquiry. If you can't find the self-service query entrance, you can transfer to the bank's manual customer service, and you can also query the complete savings card number after transferring to the manual customer service. There is also the inquiry of the account category of the savings card, which does not need to be the reserved mobile phone number of the savings card, as long as it is a mobile phone that can make a call.

The main difference between the first, second and third types of cards lies in the different foreign transaction limits. After the second and third cards are bound to the first card at the bank counter, the mutual transfer between the first, second and third cards is not restricted.

What are the signs of Class I and Class II cards? Class I cards are generally unmarked. On the front of class II savings cards of individual banks, there is a sign number 2 or II after the validity period to represent the card type. But the label of the card is not accurate, because the first-class card can be changed into the second-class card, and the second-class card can be changed into the first-class card. What is the specific savings card? Call the bank customer service phone to check the query results. What about the first, second and third types of cards? On the whole, it's not bad. The first type of card can be said to be very good with the second type of card. The first type of card has deposits, and the second type of card is safe and secure, with trading limits.

Commentator Tingting: Bank cards are divided into class I cards, class II cards and class III cards. The functions and permissions of the three cards are different.

The first type of card is a full-function account, which can handle deposits, transfers, consumer payments, cash withdrawals, etc. And the use range and dosage are not limited.

The second card can handle deposits, transfers and purchases of wealth management products. However, the daily transfer, deposit and withdrawal and consumption funds of the second-class account total 1 000, and the cumulative limit for the whole year totals 200,000;

Three types of cards can handle limited consumption and payment, and restrict the transfer of funds to unbound accounts. Limit the account balance to no more than 1000 yuan; The daily accumulative limit of fund transfer is 5,000 yuan, and the annual accumulative limit is 65,438+10,000 yuan; The daily cumulative total limit of consumption, payment and transfer to unbound accounts is 5000 yuan, and the annual cumulative total limit is 654.38+ 10,000 yuan.

Under normal circumstances, there are no signs. Because one type of card can be changed into two types of cards, and the second type of card can be changed into one type of card. How many types of specific savings cards are there? Mobile banking and online banking can be found by customer service. The first-class card cooperates with the second-class card for large-value storage transactions, and the second-class and third-class cards are bound to WeChat Alipay for confidential payment, which has transaction limits and is safe and secure.

Nice topic. From February 20 16, 16, the state stipulates that each user can only have one type of account in each bank, and there is no difference among the three types of cards. Therefore, to understand the account type of bank card, we can do it from the following aspects. (The main difference is that there is no limit on the transfer of 1 card, while the transfer limit of 2 cards is 1 10,000 yuan per day and 200,000 yuan per year).

How to distinguish card types:

1. If a bank has only one account, it must be a first-class account. (But because many cards may not be used for a long time, you may not remember whether there are any at all. I suggest checking it. )

2. If the bank account number is unclear or multiple accounts are known, you can inquire through the bank counter, telephone customer service or electronic banking (mobile banking, online banking) and other channels.

The difference between card functions:

1.Ⅰ account is a full-featured bank settlement account with the highest security level, and can access cash, finance, transfer and payment.

2. Class II accounts can meet the payment needs of online wealth management products. The biggest difference between the second-class account and the first-class account is that you can't access cash, you can't transfer money to unbound accounts, and there are restrictions on consumption payment and payment. The daily maximum is 6,543,800 yuan, but there is no restriction on purchasing wealth management products.

3. Three types of accounts are mainly used for quick payment, such as "flash payment". They can only handle small consumption and payment, but can't handle other businesses, and the balance in the account does not exceed 1 000 yuan.

Class I accounts must be handled in person at the bank counter. Class I accounts are full-featured bank settlement accounts, and depositors can make deposits, purchase investment and wealth management products, withdraw cash, transfer money, spend money and pay fees. At present, most of the physical media accounts such as debit cards and current all-in-one cards opened by banks at business outlets are first-class accounts. Class I account is the most powerful of the three types of accounts, which is equivalent to the "big vault". The main funds are all on it, so there is no need to take them out, and the security requirements are high. It is different from the channel for handling Class I accounts.

Class II and III accounts can be opened through online banking, mobile banking and other electronic channels. Type II households can transfer money electronically, purchase investment and wealth management products, handle limited consumption and payment, etc. The daily payment can't exceed 65,438+00,000, but there is no limit to the amount of wealth management products purchased. Class II households can't use it for cash withdrawal or transfer, which is equivalent to a "wallet" for daily expenses.

Class III accounts can only handle small consumption and payment business, and the balance of Class III accounts shall not exceed 1 000 yuan. The biggest difference between Class III households and Class II households is that they can only handle small consumption and payment, and cannot handle other businesses. Class III accounts are equivalent to "coin purses" and are used for small and high-frequency transactions, such as flash payment, confidential payment and QR code payment. For the "division of labor" of the three types of accounts, the insiders vividly "translated" it in vernacular: Class I accounts are like those used by wives, and any financial business can be handled; Class II accounts are just like their own use. They can only invest in wealth management and pay fees, but can't take cash. Class III accounts are like children's accounts, and only small payments can be made.

The People's Bank of China issued a notice requesting classified management of individual accounts, which will be changed from single 1 to three. Different types of accounts have different functions and permissions. The following is what I learned about the first, second and third types of bank accounts on 20 17, and the differences between the first, second and third types of bank accounts. Let's have a look!

20 17 Provisions on Class I, Class II and Class III Accounts of Banks

In real life, the phenomenon of one person, one card and one household is very common, which easily leads to a large number of accounts being idle. It affects individuals' poor management of account funds, lays hidden dangers for buying and selling accounts, opening accounts under false names and fictional agency relationships, and wastes bank management resources. In order to effectively prevent telecommunication network fraud and strengthen the management of banking financial institutions and payment institutions, in 20 17, the People's Bank of China promulgated and implemented a series of new regulations on payment and settlement management, including account management, identity authentication and transfer management.

New regulation 1: classified management of personal bank accounts. According to the requirements of the New Deal, personal bank accounts will be divided into Class I, Class II and Class III accounts with different functions and authorities. Among them, Class II and Class III accounts are virtual electronic accounts added on the basis of existing Class I accounts, and their functions and risks are decreasing step by step.

Rule 2: The same person with multiple debit cards in the same bank will be rechecked. In order to further clarify the rules for the use of the three types of accounts, the central bank also issued the Notice on Implementing the Classified Management System for Personal Bank Accounts. This circular stipulates that individuals who open Class II and III bank accounts may be bound to their Class I bank accounts or credit card accounts for identity verification, and may not be bound to payment accounts opened by non-bank payment institutions for identity verification. Individuals can open one, two or three types of accounts through the bank counter with valid identity documents. If a bank relies on self-service machines to open a first-class account for an individual, the bank staff shall examine the identity of the account holder in person.

Xie Jun said: The reason why account numbers are classified as 123 is actually to prevent new crimes from appearing in telecommunication networks. After the implementation of the new regulations, everyone can only open one first-class account in the same bank, and the use of other accounts that have been opened before will not be affected. However, in the case that individuals have more accounts in commercial banks, we will ask commercial banks to clean up these excessive accounts. Remind the general public that in order to protect their personal privacy and bank accounts and prevent personal accounts from being stolen by others or used by criminals, they can take the initiative to clean up bank outlets and cancel their unwanted personal accounts to prevent criminals from using your accounts to commit some illegal and criminal acts, thus affecting personal credit.

New regulation 3: Peer transfer in different places, deposit and withdrawal fees are free. In order to reduce the cost of resident transfer. 26 1 issued by the central bank on September 30th, 20 16 stipulates that banks will charge off-site handling fees for off-site deposit and withdrawal, transfer and other businesses within the bank, which will be free within three months from the date of issuance of this notice.

"In fact, it means that my current operation fee and remote transfer operation fee in the same bank are all free from 20 17 1." Xie Jun said.

New regulation 4: ATM transfer is delayed for 24 hours, during which it can be revoked. Banks provide customers with various transfer methods such as internship transfer, ordinary transfer and next-day transfer. Personal transfer can choose different transfer methods according to timeliness and security considerations. Individuals transfer money to others through ATM, except for my colleague's account, which delays the arrival of the account for 24 hours, and transfer money to other accounts of our bank through ATM, which still keeps real-time arrival.

Xie Jun reminded the public that there are many telecommunication network frauds in ATM transfers. If you find that your transfer behavior may be fraud, you need to report it to the public security organ in time, and you can cancel your transfer behavior at the ATM. In addition, you should also remind the public that the SMS notification of the arrival of municipal funds is not credible until it reaches your account. All transfers are only true to your account, and then the transfer notice is true.

New rule 5: There is a limit for non-counter transfer. Banks and payment institutions agree with customers in advance on the limit and number of transactions. If the amount exceeds the limit and the number of transactions, the bank account shall be transferred at the bank counter, and the payment account shall not be handled. In other words, WeChat and Alipay will limit the transfer amount.

The difference between the first, second and third types of bank accounts

Category I: Full-featured bank settlement accounts.

Self-service machines such as remote video teller machines and intelligent teller machines are used to submit account opening applications, and bank staff can verify their identity information on the spot. Depositors can open Class I accounts, which are full-featured bank settlement accounts. Depositors can handle deposits, purchase investment and wealth management products, withdraw cash, transfer money, spend money and pay fees.

The second category: electronic remittance and purchase of wealth management products.

Submit bank account opening application through online banking, mobile banking and other electronic channels. If the bank staff fails to verify the identity information on the spot, the depositor can only open a Class II account or a Class III account. The second family can transfer funds, buy investment and wealth management products, and handle limited consumption and payment through electronic means.

The biggest difference between Class II households and Class I households is that they cannot access cash or transfer money to unbound accounts.

The single-day payment limit for the second type of family is 10000 yuan.

The third category: focusing on small, fast and confidential payment.

Class III accounts can only handle small consumption and payment business, and the fund limit of Class III accounts is 1 1,000 yuan.

The biggest difference between Class III households and Class II households is that they can only handle small consumption and payment, and cannot handle other businesses.

The difference between three kinds of personal bank accounts

Simply put, Class I accounts are full-featured bank settlement accounts, Class II accounts meet the payment needs of direct selling banks and online wealth management products, and Class III accounts are mainly used for quick payments such as "flash payment" and "confidential payment".

Some insiders also translated the different functions of three types of accounts in vernacular: "For example, a type of account, just like a wife's, can do any financial business; Class II accounts are just like their own use. They can only invest in wealth management and pay fees, but can't take cash. Class III accounts are like children and can only make some small payments. "

Why should personal bank accounts be divided into three categories?

Three types of accounts with different functions not only provide more choices for everyone, but also reduce risks and control losses by limiting functions and quotas. The central bank said that in the future, the People's Bank of China will optimize and adjust the account functions and limits of Class II and III households according to the banking services and risk management.

Some commentators believe that personal bank accounts seem inconspicuous, but in fact they are very important for the safety of personal funds. It is not only the foundation of economic and financial activities, but also the guarantee to crack down on illegal crimes.

Transfer between different accounts is expected to be free of charge.

According to the new regulations of the central bank, the funds of Class II and III accounts can only come from Class I accounts. The central bank's notice is clear: "banks are encouraged to exempt depositors from handling fees for transfer and remittance services below a certain amount through online banking and mobile banking."

Xie Zhong, director of the Payment Department of the Central Bank, said that after April next year 1, if the bank does not reduce the handling fee for the above-mentioned transfer and remittance business, the central bank will charge the relevant banks through the super online banking system to urge them to be free.

Special group agency gives consideration to principle and flexibility.

The Notice of the Central Bank clarifies that when a bank opens a personal bank account for an account opening applicant, it shall verify the validity of the identity document, the consistency between the account opening applicant and the identity document, and the applicant's willingness to open an account; If it is impossible to accurately judge the identity of the applicant for opening an account through valid identity documents, the bank shall require him to issue materials to prove his identity. Banks can cross-verify the identity information of account opening applicants in various ways.

The Notice clarifies the main circumstances of opening an account by proxy: depositors open special bank accounts such as salary payment, education, social security and public management, and depositors with no or limited capacity for civil conduct can open an account by proxy. At the same time, for special groups who are seriously ill and unable to take care of themselves, banks can take on-site service or be represented by spouses, parents or adult children when handling business such as loss reporting, password reset and account cancellation. In practice, banks should give consideration to principle and flexibility, and determine the specific situation of opening accounts by themselves according to the actual situation of depositors on the premise of effectively implementing the real-name registration system of bank accounts.

"Brush your face to open an account" has to wait.

In recent years, some banks have introduced the "face recognition" account opening function, but the central bank has made it clear that biometric technology cannot be used as the main means to verify the identity information of depositors for the time being. The central bank said that at present, there is no basic standard of biometric technology in China, and the conditions for using biometric technology as the main means to verify depositors' identity information are not yet mature, but it will support qualified banks to use it as an auxiliary means to verify depositors' identity information.

What will happen after the original bank accounts are divided into three categories?

The central bank said that for previous accounts, banks classified them according to the materials at the time of account opening. As long as they were opened face to face, they would become Class I accounts. If you open an account in the future, it will be clear what kind of account the customer chooses. However, due to the upgrading of the banking system, the full implementation of the new management measures may take a process.

A type of account, mainly an account opened at the counter, can access cash, finance, transfer, payment and so on. On this basis, in order to facilitate depositors to pay, Class II and Class III accounts have been added.

Class II accounts can meet the payment needs of direct banking and online wealth management products, and cannot access cash or transfer money to unbound accounts. The maximum daily consumption payment and payment is 65,438+00,000, but the amount of purchasing wealth management products is not limited.

Class III households can only make small consumption and payment, and set the account balance limit as 1000 yuan.

A type of account, that is, an account traditionally opened at the counter, can deposit and withdraw cash, finance, transfer money, pay fees, pay, etc. On this basis, in order to facilitate depositors to pay, Class II and Class III accounts have been added.

Class II accounts can meet the payment needs of direct banking and online wealth management products, and cannot access cash or transfer money to unbound accounts. The maximum daily consumption payment and payment is 65,438+00,000, but the amount of purchasing wealth management products is not limited.

Class III households can only make small consumption and payment, and set the account balance limit as 1000 yuan.