1 account is a full-function account, and ordinary debit card belongs to class I account. 2. Class 3 accounts are virtual electronic accounts, which are two types of accounts with decreasing functions and decreasing capital risks based on the existing 1 accounts.

The specific differences are as follows:

1. 1 account is a full-featured bank settlement account, which must be opened at the counter or through the bank self-service machine after the bank staff verifies their identity in person. Depositors can make deposits, purchase wealth management products and other financial products, withdraw cash, transfer money, spend and pay all financial services through the 1 account, and there is no limit.

2. Class II and III bank accounts can be opened at the counter or through electronic channels without face-to-face, but they must be bound to my class I bank account or credit card account for identity verification.

3.2 Class households can handle deposits, purchases and other financial products, restrict consumption and payment, and restrict transfer to unbound accounts. If the identity is confirmed by the bank staff in person, type 2 households can also handle cash deposit and withdrawal, unbound account transfer, and bank card issuance as a physical card. Among them, the daily cumulative limit of cash transfer into unbound accounts of the second category 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.

4.3 Class households have the least authority, and can only handle the business of limited consumption and payment, and the limited funds are transferred to unbound accounts. If the identity is confirmed by the bank staff face to face through the bank counter and self-service equipment, the three types of households can also handle the transfer of funds from unbound accounts. Among them, the balance of three types of household accounts shall not exceed 1000 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 transfer to unbound accounts totals 5,000 yuan, and the annual cumulative limit totals 654.38+10,000 yuan.

Extended data:

According to the policy of the central bank, since 20 16 12 1, individuals who open accounts in banks can only open one class I account in the same bank. If there is a class I account, it can only be a class II or III account when opening another account.

References:

China People's Bank-What is the second type of account?