The bank cards of rural credit cooperatives are mainly debit cards. Unlike credit cards, debit cards can usually be processed directly without application. This kind of card has a variety of practical functions, including:

1. Deposit and withdraw cash: The debit card supports local and foreign currency savings, whether it is regular or current, and cardholders can do so at the branches of the card-issuing bank or across the country. Deposit and withdraw cash at ATMs around the world.

2. Transfer and remittance: Whether it is bank counter, online banking or self-service banking, cardholders can transfer or remit money between accounts through these channels.

3. Credit card consumption: At various merchants, debit cards can be used for daily consumption, providing cardholders with a convenient payment method.

4. Collection and payment: The debit card function also includes the payment of wages and various living expenses, such as communication fees, water and electricity bills, etc., to facilitate users' daily management.

5. Asset management: Debit cards can sign up for financial products such as financial management, funds, insurance, personal foreign exchange trading and precious metal trading, for investment and settlement.

In addition, some banks also provide additional services to debit card holders, such as airport VIP access and medical and health services, which expands the scope of card use and increases cardholder convenience. .