The difference between the three types of accounts (1) Class I households can provide services such as deposit, purchase financial products such as investment and wealth management products, transfer, consumer payment and cash withdrawal; This limit is the largest of the three types of accounts, depending on the encryption method used.
(2) Class II households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts; If the identity is confirmed by the bank staff in person through the bank counter and self-service equipment, Class II households can also handle cash deposit and withdrawal, fund transfer in unbound accounts, bank card issuance and other businesses. Among them, the daily cumulative limit of transferring cash to unbound accounts by Class II households is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
(3) Class III households can handle restrictions on consumption and payment, and restrict transfers to unbound accounts; The account balance of Class III households at any time shall not exceed 2,000 yuan; The daily cumulative limit of funds transferred to unbound accounts is 5,000 yuan, and the annual cumulative limit is 65,438+10,000 yuan; The daily cumulative limit of consumption, payment and fund transfer of unbound accounts totals 2,000 yuan, and the annual cumulative limit totals 50,000 yuan.
Rules for Opening Class II Accounts through Electronic Channels When opening a Class II account for an individual through electronic channels without face to face, you should verify with the binding account bank that the category account and the binding account are opened by the same person and the binding account is a Class I account or a credit card account, and the third party agency can only be used as a transmission channel for verification information. The verification information shall at least include the name of the account opening applicant and the resident ID number? Code, mobile phone number, binding account number (card number) and whether the binding account is a class I account? Credit card account and other five elements.
Customers can choose to open a suitable bank settlement account according to their actual needs, and cooperate with them to provide the information needed to open an account. According to different customer types and risk characteristics, banks agree to open individual bank settlement accounts with corresponding functions and capital limits.
The same customer can only open one Class I account in the Postal Savings Office, and in principle, there are no more than five Class II and Class III accounts respectively.