When a customer opens a family joint account, all the joint persons must bring their valid identity documents to the business outlets to jointly open a joint account, and no agent is allowed.
At the time of handling, all joint names shall sign the Agreement on the Management of Individual Joint Deposit Accounts. When opening an account, if the withdrawal method of joint account is "authorized handling", the Power of Attorney for Withdrawal/Change of Individual Joint Deposit Account shall be signed.
At present, the channel for handling joint accounts is the counter of business outlets, and online banking, mobile banking and other channels are not supported at present. The account medium corresponding to the family joint account is the family card.
Family joint accounts can provide multiple cards according to the number of joint accounts, and any one of the joint account owners can handle the business of deposit and withdrawal, transfer and inquiry respectively, which can promote family harmony and meet the needs of fund co-management and financial disclosure.
Family account supports contract signing, collection and payment, and can open securities business functions, sign contracts with all electronic channels such as SMS banking, and use all functions of each channel.
Advantages of emotional cards
1, convenient management: With the family card, you can easily control your family consumption, understand your family consumption situation and consumption patterns, and make your family life more attentive.
2. Safe and reliable: the family card adopts a number of security measures, including dynamic verification code and real-name authentication. , to ensure the security of transaction information and funds, and effectively avoid problems such as credit card theft.
3. Improve the utilization rate of credit cards: Family cards can solve the problem of insufficient credit lines, make family members more free to spend on credit cards, and also increase consumption scenarios for credit card holders.
4. Parents give their children pocket money: Parents can safely apply for a family card for their children, set appropriate credit lines, and let their children spend freely. At the same time, they can control their own consumption through the bill of the family card.