Currently, banks have many deposit media, such as passbooks, deposit receipts, bank cards, mobile banking, etc. Which one is safer among the many deposit media?
Passbooks
Passbooks are generally divided into regular passbooks and current passbooks. Some information is clearly recorded on the first page of the passbook: account name, account number, account opening date, account opening bank, withdrawal Signs, redemption ranges, etc. are favorites among the elderly. You can clearly see the entry and exit of every money! Generally speaking, passbooks can be used to handle business within the province, but withdrawals and deposits cannot be made across provinces. If the passbook is printed with "non-acceptable", the withdrawal business can only be handled at the account opening outlet. The withdrawal method can be set to password, certificate, password + certificate etc! The passbook has a magnetic strip, which is easily demagnetized if it is often placed together with magnetic things. It cannot open some electronic products such as mobile banking, nor can it be bound to a third party!
Deposit certificate
It has the highest security and the simplest storage method. One deposit corresponds to one deposit certificate, and the deposit certificate can generally only be used to deposit bank time deposits. The deposit certificate withdrawal method requires password, medium and certificate. , same as other withdrawal methods, they are very safe. The reason why deposit certificates are more secure is because the possibility of being copied is very small, and the business processing of deposit certificates can only be handled at the bank counter, which further strengthens its security. In addition, deposit certificates cannot open electronic channels, which reduces the risk of online channels. However, deposit certificates are also the most inconvenient among the three, which is troublesome for both customers and banks.
Bank cards
Bank cards are currently the most widely used and are handled by most banks. Basically, you choose a bank card when opening an account. From the perspective of the bank's own security, it is safe and secure. Guaranteed, there are no technical problems at all, and after the bank card is upgraded, all bank cards will become chip cards. The possibility of being copied is lower, and the interest rate is lower. Bank cards are usually stolen because of the leakage of customer information. In addition, the functions of bank cards are also the best. It is comprehensive, not only can you open electronic banking channels, but you can also bind third-party payment platforms at will, so the interest rate for risks will be better. To be precise, it is not that bank cards are unsafe, but that bank cards are more risky than deposit certificates and passbooks. Click more, so put it at the end.
There are two problems here: one is the risk of theft; the other is the risk of theft.
From the perspective of the risk of fraud, some people once said that the more convenient and modern things are, the less safe they are, which makes sense. The current fraud cases mainly focus on bank cards and credit cards. The convenience of bank cards and credit cards is also the biggest risk point. Cloning cards, duplicating cards, etc. lead to certain possible risks in bank cards and credit cards. Therefore, from the perspective of the risk of fraud, deposit certificates and passbooks are relatively safer.
From the perspective of theft, if your passbook, deposit receipt or bank card is stolen, which one of the deposits in it is safer? Of course, the deposit certificate is safer, because the deposit certificate and the depositor's ID are required to withdraw cash; if the passbook is current, you only need the passbook and password to withdraw cash; and bank cards can be used at any bank's ATM machine and consumption place. Pay. Therefore, from the perspective of theft, deposit receipts are the safest, followed by passbooks and bank cards are the least secure.
It is not difficult to see that among the three types of deposit and withdrawal certificates, deposit certificates, passbooks, and bank cards, deposit certificates are the most secure, passbooks are the second most secure, and bank cards are the least secure. As a commonly used transaction channel for users, mobile banking has multiple security guarantees. You can generally conduct transactions with confidence in the bank's official mobile banking.