Applicants need to hold their personal identity cards to apply for a first-class account in the bank. Each applicant can only handle one Class I account in the same bank. A first-class card refers to an account opened at the counter of a traditional bank, which meets all the strict requirements of real-name registration system.

The first type of personal bank settlement account is a full-featured account with physical cards (including debit cards, current all-in-one accounts, excluding credit cards), which can be used for large deposit and withdrawal, transfer, consumer payment, purchase of investment and wealth management products, etc. The scope and amount of use are not limited, but a person can only open one such account in the same bank.

Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through Class I households. Compared with Class I accounts, Class II accounts lack the restriction that "physical cards must be used as carriers", but transactions with Class II accounts are not as convenient as those with Class I accounts. Class II accounts can mainly handle deposits, purchase financial products such as investment and wealth management products (referring to the purchase of financial products such as investment and wealth management products sold by banks themselves or through agents), restrict consumption and payment, and restrict transfer to unbound accounts.

Daily cumulative transaction amount (including transfer-in, transfer-out, cash withdrawal, etc.). ) Between the Class II account and the unbound card, it is 6.5438+0 million yuan, and the annual accumulated amount is 200,000 yuan. There are no such restrictions on transactions between Class II accounts and bound Class I accounts.

In addition, banks can distribute bank loan funds to Class II households and repay them through Class II households, and Class II households are not allowed to overdraw. Knock on the dot: Only after the bank counter and self-service equipment are confirmed by the bank staff face to face, Class II households can handle cash deposit and withdrawal and transfer of unbound account funds into business.

In other words, class II households can be handled and used without such a process, but the use is slightly restricted; In contrast, applying for a first-class account must have a face-to-face appraisal with the bank staff. After all, a card with no restrictions on use must be handled carefully, so as to ensure the security of the account.

To sum up, Class II account is not only a supplement to Class I account, but also an important type of online account (the other is Class III account, which has more transaction restrictions but less possibility of serious problems).