Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.
Main functions:
The main function of a savings card is to save deposits. Cardholders can read and manually enter passwords through the electronic payment network established by the bank and the magnetic stripe of the card, so as to realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.
Application conditions:
I hold a valid identity document to handle it at any bank branch. You must open a current account first. The account balance shall not be less than 10 yuan. Unstamped withdrawal account. Non-loss-reporting account, frozen account and normal account status.
Business scope:
Withdrawal, inquiry, password modification, etc. On the national networked savings ATM. Transfer money for consumption on POS terminal in our city. Deposits and withdrawals are made at savings offices connected to the national network, and deposits are made at ATMs (the specific time will be notified separately).
Savings ATM business:
ATM (Automatic Teller Machine) is a service means and tool provided by savings for depositors, and it is also a self-service bank for depositors to realize self-service. It is the crystallization of modern communication technology, computer technology and banking services. Can provide depositors with deposit and withdrawal, account inquiry, personal password modification and other functions.
Savings POS business: it is a consumer service tool provided by savings to promote the realization of electronic money, reduce cash circulation and reduce the labor intensity of merchants. In shopping malls, hotels, entertainment places, public service places, etc. Where the POS terminal has been installed in the bank card network, the savings card user can use the account for consumption, without cash, and the amount of consumption and payment by the user is not limited, and the handling fee is exempted. But the account can't be overdrawn. In addition, Savings also launched mobile phone payment service and telephone wallet payment service, which is easy and flexible, and it is convenient to pay anytime and anywhere 24 hours a day.