Can a credit cooperative withdraw cash without a card?

ATM machines of rural credit cooperatives can withdraw money without cards, but they need to make an appointment online in advance.

When using mobile phone to make an appointment to withdraw cash, users should first log in to the mobile banking of rural credit cooperatives, select the function of "making an appointment to withdraw cash", input the relevant information of making an appointment to withdraw cash according to the prompt, authenticate their identity through the media such as password card or electronic cipher, and then receive a temporary password message.

Users can withdraw money from the ATM of the nearest rural credit cooperative within the effective time set by themselves. When withdrawing money, they need to input information such as mobile phone number, reserved "reserved code" and temporary password sent by rural credit cooperatives.

You can withdraw money from the ATM without a bank card.

Use process:

1, first you need to choose an ATM with or without card withdrawal function.

2. Select the card-free withdrawal option at ATM, and enter the card number and password;

3. Select the withdrawal amount and confirm it;

4. Input and verify the received SMS verification code;

5. Complete the withdrawal without card.

Note: At present, general banks stipulate that "withdrawal without card" business cannot exceed 1 1,000 yuan per card, and the total amount of withdrawal without card on that day cannot exceed 5,000 yuan. The "card-free withdrawal" regulation of Bank of Communications is that the accumulated amount of each card on the same day cannot exceed 20,000 yuan. Customers can also realize the function of "withdrawal without card" after opening the "cash reservation" function of mobile banking and online banking. However, the bank's reservation function is troublesome, and it is necessary to set the effective time and withdrawal amount in advance. The operation of the bank reservation withdrawal function is different because the customer has selected the option of "mobile phone reservation withdrawal" in the ATM operation interface instead of the option of "withdrawal without card". The "mobile phone reservation withdrawal" only needs to enter the mobile phone number, "reservation code" and the temporary password sent by the bank.

Rural credit cooperatives were established with the approval of China Banking Regulatory Commission. They are composed of members who share shares, and democratic management is implemented for members, which is manifested in the "three meetings" system. "Three meetings" specifically refer to the general meeting of members (representatives), the board of directors and the board of supervisors. Rural cooperative financial institutions that mainly provide financial services to community members.

According to the reform plan of "clarifying the property right relationship, strengthening the restraint mechanism, enhancing the service function, with the appropriate support of the state and the responsibility of the provincial local government", rural credit cooperatives are set up in all provinces and cities to be responsible for the "management, guidance, coordination and service" of rural credit cooperatives in all provinces and cities.

After the reform, there are three main modes of rural credit cooperatives: 1 and rural credit cooperatives. 2. Rural commercial banks. 3. Rural cooperative banks.

The provincial rural credit cooperatives invested in the establishment of rural credit cooperatives' fund settlement centers, realized the deposit and withdrawal business among rural credit cooperatives, rural commercial banks and rural cooperative banks, opened bank cards, joined the modern payment system of the People's Bank of China, and realized the inter-bank deposit and withdrawal business.

Credit cooperatives coexist with society. The reform of credit cooperatives is managed by the provincial government and plays a functional role for social development together with the government. The rural economy mainly depends on the support of credit cooperatives, which have long-term cooperative relations and occupy the right time, place and people. It is impossible for foreign banks to develop in rural areas. The software and hardware of rural credit cooperatives compete with the four major state-owned banks and major commercial banks, and the total deposit exceeds 3 trillion yuan, second only to ABC, ICBC and CCB.

Credit cooperatives have opened the universal deposit and withdrawal service, which is much more convenient than the previous single withdrawal method, and the personnel are constantly optimized.