1 opening of mobile banking: Take Apple 12(ios 14) and Bank of Communications (version 6.0.0) as examples;
After the user logs in to mobile banking, select "My Account"; Then you can enter the personal bank account list, select "Electronic Account" on the right, and check the type of account to be opened; Then, after the page jumps, select "bind the registered account to open an electronic account"; Select a type of account under one's name, fill in the information according to the page display, and you can successfully open an electronic account.
2. Opening of offline outlets: Just bring your personal ID card and first-class account to the bank outlets to open an electronic account.
Functions of electronic account:
Functionally, electronic accounts have most of the functions of debit cards, which can realize multi-account management and enjoy all-round personal financial services such as investment, wealth management, financing, online payment and public utility fee payment. In addition, after opening an account, family funds can be managed and collected in a unified way.
Specifically, after opening the account inquiry contract and the agreement payment contract, the account holder can add the bank card accounts of his own bank and family members to family account through account management, so as to manage the funds of family account in a unified way.
After the funds are collected, the account holder can record the family's in-and-out accounts with the help of the family account book. After bookkeeping, the account details will be displayed in a list, and the income and expenditure comparison chart, income composition chart, expenditure composition chart and income and expenditure trend chart will help you intuitively analyze the income and expenditure of the account. At the same time, the electronic account can also manage the income and expenditure records by itself, indicating the income and expenditure type, date, purpose, amount and remarks.
On this basis, the risk tolerance test helps account holders to self-evaluate their risk tolerance through questionnaires, and divides the risk levels into conservative, profitable, stable, stable and enterprising, which will provide different investment suggestions for customers with different risk levels and tailor a financial report for customers.
In addition to the above financial functions, electronic accounts can also complete payment and credit card repayment.