What is the electronic account of Bank of Communications?

On June 26th, Bank of Communications took the lead in issuing electronic accounts and directly opening online accounts in China.

Compared with ordinary debit cards, electronic accounts are applied through electronic channels and exist in electronic form.

Functionally, electronic accounts have most of the functions of debit cards, which can realize multi-account management and enjoy all-round personal financial services such as investment, wealth management, financing, online payment and business expenses payment. In addition, after opening an account, family funds can be managed and collected in a unified way.

Specifically, after opening the account inquiry contract and the agreement payment contract, the account holder can add the bank card accounts of his own bank and family members to family account through account management, so as to manage the funds of family account in a unified way.

After the funds are collected, the account holder can record the family's in-and-out accounts with the help of the family account book. After bookkeeping, the account details will be displayed in a list, and the income and expenditure comparison chart, income composition chart, expenditure composition chart and income and expenditure trend chart will help you intuitively analyze the income and expenditure of the account. At the same time, the electronic account can also manage the income and expenditure records by itself, indicating the income and expenditure type, date, purpose, amount and remarks.

On this basis, the risk tolerance test helps account holders to self-evaluate their risk tolerance through questionnaires, and divides the risk levels into conservative, profitable, stable, stable and enterprising, which will provide different investment suggestions for customers with different risk levels and tailor a financial report for customers.

In addition to the above financial functions, electronic accounts can also complete payment and credit card repayment.

It is reported that individual customers of Bank of Communications who have applied for a credit card or debit card of Bank of Communications after June 30, 2007 can apply for an electronic account through the Bank of Communications portal website and personal online banking of Bank of Communications from now on.