Bank statements can generally be checked for records within five years. According to the relevant provisions of Article 29 of the "Management Measures for Customer Identification and Preservation of Customer Identity Information and Transaction Records of Financial Institutions": Bank transaction records, It shall be kept for at least 5 years from the year when the transaction is recorded. The state stipulates that it should be kept for at least 5 years. If it exceeds 5 years, some banks may no longer keep it.

However, the time for bank statement inquiry that can be queried through different inquiry channels is inconsistent, and different banks have different regulations on the period for bank statement inquiry. Take Bank of China as an example:

Debit card: For online banking inquiries, transaction details within a maximum of 5 years can be inquired, and the start and end period of each inquiry shall not exceed 6 months; at the counter, the maximum inquiry period is only The water records for 3 years can be found.

Credit card: You can check up to 3 months of issued bills by logging in with your credit card number in online banking, and you can check 12 months of issued bills in mobile banking. At the counter, you can check the latest 12 bills and outstanding bill details.

Bank statement refers to the deposit and withdrawal transaction records of bank current accounts. It is a kind of certification material to prove the income of an individual or a company. It is also a necessary material for applying for a loan. Its non-tamperability enhances its effectiveness as a verification material. Effectiveness; at the same time, historical transaction records can echo with many credit materials, further increasing the importance of bank flow in the credit approval process.

Bank statements are records of deposits and withdrawals from bank current accounts (including current passbooks and bank cards). According to the different nature of the account, it can be divided into personal flow and corporate flow. Ordinary office workers have personal accounts, while small and medium-sized business owners and self-employed individuals have corporate accounts. Bank statement Bank statement can be printed at the bank counter or self-service teller machine in the bank lobby. When printing at the bank counter, you need to bring the bank card or passbook and second-generation ID card on which the bank statement is to be printed.

The role of the bank statement:

The bank statement is a document that proves the income of an individual or company, and is a necessary material for applying for a loan from the bank.

Bank statements are unfamiliar to many people. Although it is not a necessary condition for all loans, it can well reflect your personal repayment ability from one aspect. In some banks and financial institutions, Users who apply for a loan will be required to provide bank statements from their income account for more than 3-6 months. If not, there is a high possibility of being rejected.