First, if the bank has only one account, then there is no need to check it. It must be an account.
Two, if the bank account is not clear or there are multiple accounts, you can check through the bank counter or through electronic banking (mobile banking, online banking) channels.
According to the existing personal bank accounts, banks classify personal bank accounts into one, two and three categories (hereinafter referred to as one, two and three categories), and families can apply. Keep accounts through online banking, mobile banking and other electronic banking channels.
The first type of account belongs to full-function bank settlement account, with the highest security level. It can withdraw cash, manage finance, transfer funds, pay fees, pay and so on.
The second type of account meets the payment needs of direct banking and online wealth management products. The biggest difference between the second type account and the first type account is that you can't access cash, you can't transfer money to unbound accounts, and there are restrictions on consumption payment and payment. The maximum payment per day is no more than 10000 yuan, but the amount of wealth management products purchased is not limited.
These three types of accounts are mainly used for quick payment, such as "flash payment" and "confidential payment". They can only handle small consumption and payment, and cannot handle other businesses. The account balance does not exceed 1000 yuan.
Joint-stock commercial banks are a type of commercial banks. There are 12 national joint-stock commercial banks in China: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and Bohai Bank.
Joint-stock commercial banks have become a dynamic new force in China's commercial banking system and an indispensable part of the development of banking industry and even the national economy.
1, China Merchants Bank
China Merchants Bank was established on April 8, 1987. It is the first joint-stock commercial bank in China, headquartered in Shenzhen. Established by Hong Kong China Merchants Group Co., Ltd., with the shareholding ratio of 18.03% as the largest shareholder. Since its establishment, China Merchants Bank has increased its capital and shares four times, and successfully issued 654.38+0.5 billion ordinary shares in March 2002, and listed on the Shanghai Stock Exchange on April 9 (stock code: 600.036), becoming the first listed company in China to adopt international accounting standards.
2. Shanghai Pudong Development Bank
Shanghai Pudong Development Bank Co., Ltd. (hereinafter referred to as "Shanghai Pudong Development Bank") is a joint-stock commercial bank approved by the People's Bank of China1August 28, 992, and its head office is located in Shanghai. Adhering to the business philosophy of "abiding by integrity, pioneering and innovating", Shanghai Pudong Development Bank actively explores financial innovation, and its asset scale continues to expand and its operational strength continues to increase. By the end of 20 10 and 12, the company's total assets reached 2 1, 62 1 billion yuan, and its after-tax profit reached190.76 million yuan. Shanghai Pudong Development Bank will continue to promote financial innovation and strive to become a modern financial service enterprise with core competitive advantages.
3. China CITIC Bank
CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing. On April 19, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank has total assets of over HK$ 654.38+0.2 trillion, employees of over 654.38+0.6000 and more than 540 branches. It is the seventh largest bank in Chinese mainland and one of the six largest banks and three major guarantees for Chinese financial stocks in Hong Kong.