The requirements of ICBC are as follows. Now, according to the different overdraft limit, the procedures to be handled are different. For a small amount, as long as you have a telephone bill (water and electricity) in your name for nearly three months, a time deposit in ICBC, an account in ICBC for more than three months, and a payroll service in ICBC, you only need to meet one of them. If the amount is large, you must have a letter of introduction from your company and a local house.