The bank texted that it would open a business for me.

Hello, these are three independent services, and there is no function usage fee for all three services, but there is a normal SMS fee for sending SMS in SMS Bank.

It is the practice of ICBC to open three at the same time, because they are all free, so it is called "opening online banking package".

If you think it is useless, don't use it.

SMS banking and balance change reminder are two different services. SMS banking is a free service that you can check the balance and transfer money by sending a code to 95588. Balance reminder means to send a reminder message to your mobile phone if your account balance changes. This is also called ICBC Courier, which charges 2 yuan/month.