1. online banking: log in to the online banking of the Postal Savings Bank, select "Account Classification" in "My Account", select a second-class account, and enter account opening information such as name, ID number and mobile phone number, so as to open a second-class account without physical media.

2. Mobile banking: Log in to the mobile banking of Postal Savings Bank, select "Open a second-class account" in "Account Management", and fill in personal information as required to open a second-class account without physical media.

3. Bank counter: Bring valid identity documents to the counter of Postal Savings Bank, and choose to open a second-class account without physical media when filling out the application form.

It should be noted that to open a second-class account without physical media, it is necessary to bind a first-class account or a credit card account, and the name of the account holder of the bound account must be the same as that of the applicant. At the same time, the second-class households without physical media in the Postal Savings Bank have a certain transaction limit, and the specific limit is subject to the regulations of the local Postal Savings Bank.