2. Online banking payment can only be made if online banking business is opened at the bank counter. The limit of a single online banking transaction is relatively large, which can generally reach the maximum limit of a credit card. Online banking payment requires a password card or a U shield, which has a high safety factor, but the process is a bit cumbersome.

3. Express payment does not need to be opened in advance. You can choose to open fast payment when you pay, or you can open fast payment at the same time. You need to enter the receiving verification code to confirm the transaction when paying. At present, the bank's fast payment limit has been lowered to 5,000 yuan per transaction, 5,000 yuan per day and 50,000 yuan per month.

Please decide whether to open online banking according to your usual consumption habits and amount.