It is the same if the name is changed. Many rural credit cooperatives have changed their names, but it does not affect business processing.

For specific charges, please see below. (Especially Article 15)

Articles of Yuanding Debit Card

Article 1 Yuanding Debit Card (divided into corporate card and personal card) is a member of the Rural Credit Cooperative of Jiangsu Province. A comprehensive electronic payment tool issued by the United Society that integrates cash deposits and withdrawals (excluding corporate cards), transfer settlement, shopping and inquiry, and other functions. When using the Yuanding debit card, it operates online, records in real time, deposits first and withdraws later, and does not have an overdraft function.

Article 2 Yuanding debit cards adopt the entrusted issuance method. Grassroots cooperatives, rural cooperative banks, and rural commercial banks entrust Jiangsu Rural Credit Cooperatives to issue uniformly. Each entrusting unit is the card issuer.

Article 3 Any unit that opens a basic deposit account at a business outlet within the jurisdiction of the entrusting unit and an individual with full capacity for civil conduct may apply for a Yuanding debit card at a business outlet within the jurisdiction of the entrusting unit. , no guarantee required.

Article 4 The unit card shall be issued with the unit’s basic deposit account opening license, organization code certificate, business license, legal person registration certificate and the written designation of the unit’s legal representative or authorized person, and the designated person shall present his or her valid identity. Apply for a certificate; apply for a personal card with your valid identity document, and in principle, you are not allowed to apply for it on your behalf. When applying for a Yuanding debit card, the applicant should fill in the application form truthfully. After confirmation, those who meet the conditions will be allowed to receive the card. Card issuers are responsible for keeping the credit information of cardholders confidential.

Article 5 The minimum deposit amount for the Yuanding debit card is RMB 1,000. All funds in the account are transferred and deposited from the basic deposit account. Cash is not allowed to be deposited or withdrawn, and sales revenue is not allowed to be deposited. unit card. The unit card can handle the settlement of goods transactions and labor supply payments. If a single transaction exceeds the prescribed starting point, it will be handled in accordance with relevant regulations.

Article 6 The minimum deposit amount for a Yuanding debit card personal card is RMB 1 yuan. There is no limit to additional deposits and can be renewed at any time. The funds in the account are limited to cash deposits or If you transfer your salary and other legal income and deposit it, interest on the deposit in the card will be calculated according to the deposit interest rate and interest calculation method stipulated by the People's Bank of China, and interest income tax will be levied on your behalf.

Article 7 Cardholders can use the business outlets of the card issuer, automatic teller machines with the "UnionPay" logo at home and abroad (including ATM, CDM and other cash self-service equipment, the same below), telephone banking ( 96008), online banking, mobile banking, domestic and overseas special merchants with the "UnionPay" logo and other channels to handle financial transactions in accordance with relevant regulations.

Article 8 The Yuanding debit card can only be used by the cardholder himself and may not be rented or lent. Any losses caused by renting or lending shall be borne by the cardholder. If the card holder of the corporate card is changed due to job changes or other reasons, the account opening unit should issue a certificate of change of card holder, and go to the original card issuing outlet to go through the change procedures in a timely manner. The account opening unit shall bear the losses incurred before this.

Article 9 Cardholders should properly keep their Yuanding debit card password to prevent leakage. Any transaction in which the entered password matches the system password is deemed to be a legal transaction authorized by the cardholder or himself. The electronic information record generated by the card issuer handling the transaction for the cardholder based on the password is a valid certificate for the transaction. The cardholder is responsible for any losses caused by inadvertent disclosure of password.

Article 10 If the cardholder enters an incorrect password three times in a row, the card issuer has the right to lock the account in accordance with relevant regulations. The cardholder must apply for unlocking at an outlet within the jurisdiction of the card issuer with his or her valid identity document. If the cardholder forgets the card password, he should promptly go to the original card-issuing outlet with his valid identity document to report the password loss.

Article 11 If the cardholder accidentally loses his Yuanding debit card, he should promptly report the loss verbally through telephone banking (96008) or report the loss in writing at the original card-issuing outlet. Cardholders should complete the written loss reporting procedures within 5 days after verbally reporting the loss, otherwise the verbal loss report will automatically become invalid. The loss report will take effect immediately after the loss report is completed, and any losses caused before the loss will be borne by the cardholder. Cardholders can get a new card 7 days after completing the written loss reporting procedures. In principle, you are not allowed to entrust others to handle the loss reporting procedures on your behalf.

Article 12 If the Yuanding debit card is swallowed by an ATM, the cardholder should promptly contact the business institution to which the ATM belongs, and go to the designated institution within the specified period with his or her valid ID card to collect the card. If the card is not collected within the time limit and the card is invalidated by the card swallowing unit, the cardholder shall be responsible for it.

Article 13 If the Yuanding debit card is damaged and the card needs to be replaced, the cardholder should go to the original card issuing outlet with the Yuanding debit card and his/her valid ID to apply for a new card. And pay the production fee as required.

Article 14 When the cardholder needs to cancel his Yuanding debit card, he should submit a written application to the original card-issuing outlet with his valid identity document, settle the balance, and return the Yuanding debit card. When the corporate card account is canceled, the funds in the card account will be transferred to its basic deposit account.

Article 15 Cardholders who withdraw money across banks or regions (outside the card-issuing city) must pay handling fees in accordance with regulations, which will be deducted directly from the cardholder's account by the card issuer. The daily cumulative limit for cardholders' withdrawals from ATMs shall be subject to relevant regulations of the People's Bank of China.

Article 16 When the cardholder's relevant information is changed, the cardholder must submit a written change application to the card issuer in a timely and truthful manner. Otherwise, all responsibilities arising from changes in the information will be borne by the cardholder.

Article 17 If a cardholder is refused acceptance when handling business, he or she has the right to complain to the card issuer and the superior authority. If the cardholder has any questions about the transaction records, he has the right to ask the card issuer to check the account balance, transaction details and other information in his card. The card issuer must provide this service to the cardholder based on the record keeping status of the bank.

Article 18 Yuanding Debit Card belongs to the card issuer. If the cardholder violates this Articles and relevant national regulations, the card issuer has the right to cancel the cardholder’s qualifications and take back the Yuanding Debit Card. , the resulting losses shall be borne by the cardholder. After the Yuanding debit card is stopped, the unsettled creditor's rights and debts will continue to be valid.

Article 19 If someone falsely reports a loss, forges or alters a Yuanding debit card, uses a forged or invalidated Yuanding debit card, or uses someone else’s Yuanding debit card to defraud property, the card issuer shall Have the right to apply for legal protection and hold the relevant parties responsible for their financial and legal liabilities in accordance with the law.

Article 20: The card issuer has the right to assist national judicial authorities or other competent authorities to inquire, freeze and debit the cardholder's Yuanding debit card account in accordance with the provisions of the law.

Edit this paragraph Yuanding debit card business management measures

The first article is to strengthen the Yuanding debit card business of Jiangsu Rural Credit Cooperatives United Cooperative (hereinafter referred to as the Provincial Union) To manage and promote the healthy development of the debit card business, these measures are formulated in accordance with the relevant regulations of the People's Bank of China, the China Banking Regulatory Commission and the "Jiangsu Rural Credit Cooperatives Yuanding Debit Card Charter".

Article 2 The Yuanding debit card referred to in these Measures is entrusted by rural credit cooperatives, rural cooperative banks, and rural commercial banks in counties (cities, districts) in Jiangsu Province (hereinafter referred to as the card issuers) A debit card issued by the Jiangsu Rural Credit Cooperatives Union with the unified brand logo of "Yuanding". All business outlets within the jurisdiction of the card issuer that accept Yuanding debit card business must comply with these Measures.

Article 3 Yuanding debit card is a RMB UnionPay standard card, which is divided into personal card and corporate card.

Article 4 Yuanding debit card is a comprehensive electronic payment tool that integrates cash deposits and withdrawals (excluding corporate cards), transfer settlement, shopping consumption and inquiries, etc. It can be operated online when used , real-time account entry, deposit first and then withdraw, and does not have an overdraft function.

Article 5 Yuanding debit card personal card has multiple accounts, and you can open current accounts, fixed accounts, proprietary accounts, etc. at the same time. Yuanding Debit Card Corporate Card can only open a current main account.

Article 6: Each card issuer must meet the following conditions when opening Yuanding debit card business:

(1) Meet the relevant conditions stipulated by the People's Bank of China;

< p>(2) Establish a centralized comprehensive business computer network system;

(3) Open a clearing account in the Fund Clearing Department of the Provincial Association Information Settlement Center;

(4) Establish a specialized bank card business organization and staff it with a certain number of managers and technical personnel with high quality, strong sense of responsibility and relevant business knowledge;

(5) Establish and improve a sound internal control system and management system.

Chapter 1 Account and Transaction Management

Article 7 All individuals with full capacity for civil conduct and units with good business performance and reputation can do business within the jurisdiction of the card issuer. No guarantee is required when applying for Yuanding debit cards and supplementary cards at any branch.

The branch that accepts Yuanding debit card applications is the Yuanding debit card issuing branch, and is responsible for reviewing and keeping confidentiality of the applicant's credit information.

Article 8 Personal Card Account Management

(1) Personal cards can be applied for with valid identity documents. Valid identity documents include: resident ID card, military officer ID card, police officer ID card, and household registration. Book, passport, return certificate for Hong Kong, Macao and Taiwan compatriots and other identity documents that comply with the regulations of the People's Bank of China's savings real-name system. In principle, personal card account opening is not allowed on behalf of others.

(2) The minimum deposit amount for a personal card is RMB 1. There is no limit to additional deposits, which can be renewed at any time. The funds in the account are limited to cash deposits held by the individual or wages and salaries. Other legitimate income transfers and deposits.

Article 9 Company Card Account Management

(1) Company cards can be obtained with the basic account opening license issued by the People’s Bank of China, the organization code certificate of the unit, the business license and the legal certificate of the unit. For written authorization designation by a representative or authorized person, the designated person shall present a valid identity document to apply. The applicant shall fill in the application form truthfully. After the card issuer confirms that it is correct, those who meet the conditions will be allowed to receive the card. Corporate card holders are designated in writing by the legal representative of the applying unit or its authorized agent. The applying unit can designate multiple cardholders at the same time. The creditor's rights and debts arising from the cardholder's use of the card shall be the responsibility of the applying unit.

(2) The minimum deposit amount for the company card is RMB 1,000. All funds in the account are transferred and deposited from the basic deposit account. Cash is not allowed to be deposited or withdrawn, and sales revenue is not allowed to be deposited into the company card. The unit card can handle payment and settlement of commodity transactions, labor fees and other payments. If a single transaction exceeds the prescribed starting point, it will be handled in accordance with relevant regulations.

Article 10 The sources of funds for the special account in the Yuanding debit card personal card are mainly loan disbursement, personal cash deposits, and transfer deposits. The special loan account has the characteristics of one-time credit, revolving loans, and special funds. Funds in the special account can only be used for targeted transfers and consumption at designated merchants, and cannot be withdrawn for cash.

Article 11: Customers who are issued cards in batches must use a password envelope to transmit the initial password, and remind customers to change their password immediately after receiving the card.

Article 12 The Yuanding debit card is used with a password, and the cardholder's account is recorded in real time. The signature is only used as an auxiliary measure for the cardholder to approve the transaction, and is not used as a basis for the division of risk responsibilities.

Article 13 Counter Transaction Management

Yuanding debit card holders can handle cash deposits, withdrawals (excluding corporate cards), transfers and other transactions over the counter at bank branches. The specific operations are handled in accordance with the "Jiangsu Rural Credit Cooperative Bank Card Counter Operation Procedure (Trial)". Large-value transactions must also be handled in accordance with the Anti-Money Laundering Law, the Measures for the Administration of Reporting of Large-value and Suspicious RMB Payment Transactions, and the relevant regulations and requirements of the People's Bank of China and Jiangsu Province Rural Credit Cooperatives.

Article 14 Electronic Banking Transaction Management

Yuanding debit card electronic banking transaction channels include automatic teller machines (including ATM, CDM and other cash self-service equipment, the same below), POS Terminals, transfer telephones, self-service inquiry terminals, online banking, online payment, mobile banking, telephone banking (96008), SMS banking, etc. Card issuers must handle the opening procedures for cardholders who apply for corresponding electronic banking services in accordance with the relevant regulations and operating procedures of each electronic banking transaction channel.

Article 15 Cardholders can handle collection and payment services at outlets and special units within the jurisdiction of the card issuer. The operation can refer to transfer transactions, or they can entrust the card issuer to handle collection and payment services according to the agreement. Payment service. Card issuers are not allowed to advance funds for the agreed units and cardholders for various agency services handled through Yuanding debit cards.

Article 16 Card issuers will not send statements to cardholders. Cardholders can check account balances, transaction details and other information through the counters of card issuing outlets, self-service teller machines, online banking, mobile banking, telephone banking (96008) and other channels. If the cardholder raises objections to the account balance or transaction details, the card issuer must respond to the cardholder based on the transaction records.

Chapter 2 Loss Reporting, Stop Payment, Card Replacement, and Freezing Management

Article 17 Loss Reporting Management

(1) Verbal Loss Reporting

< p>If the Yuanding debit card is stolen or lost, cardholders can report the loss verbally through branch counters, telephone banking (96008), online banking and other channels. The cardholder is responsible for any losses caused before the loss is reported. The validity period of a verbal loss report is 5 days. The cardholder or his authorized agent should go to the original card-issuing outlet with a valid identity document to go through the written loss report procedures within 5 days after the verbal loss report. Otherwise, the verbal loss report will automatically become invalid.

(2) Written loss report

If the Yuanding debit card is stolen or lost, the cardholder can report the loss directly or within 5 days after verbally reporting the loss, with his or her valid identity document or an agent. Bring your and the cardholder's valid identity documents to the original card-issuing outlet to report the loss in writing. Cardholders who apply for a written loss report should fill in the "Lost Report Application Form". After careful review, the handling staff will confirm that the content of the loss report application is complete and consistent with the card issuance information, and then handle the written loss report for the cardholder. Card-issuing outlets must register a "Loss Report Registration Book" to prepare for inquiries.

(3) Reporting password loss

If the cardholder forgets his password, he must go to the original card-issuing outlet to report the password loss with his card and his valid ID. The handling personnel should immediately reset the cardholder's password after verifying the cardholder's identity.

(4) Cancellation of the loss report

If the cardholder finds the original card after reporting the loss but before getting a new card, he may apply to cancel the loss report. Oral loss report can be canceled through branch counters, telephone banking (96008) and other channels; written loss report can be canceled by the cardholder or the authorized agent with the receipt of the loss report application form and valid ID (the agent needs to present the valid ID of himself and the cardholder) ID card) go to the original card-issuing outlet. When applying for cancellation of loss report, you must fill in the application form for cancellation of loss report, and you can continue to use the original card only after it is accepted by the card-issuing outlet.

Article 18 Stop Payment Management

(1) After the cardholder reports the loss of the card, the card issuer shall stop payment on the lost card.

(2) When the unit’s legal representative or authorized agent applies to stop payment on the unit’s card, the card issuer may stop payment on the card.

(3) The cardholder enters the wrong transaction password three times in a row when handling business through ATMs and self-service inquiry terminals, and enters the wrong transaction password five times in a row when handling business through channels such as counters, ATMs, and self-service inquiry terminals. The card issuer has the right to lock the Yuanding debit card and stop payments.

(4) When the reason for the payment stop no longer exists, the card issuer can cancel the payment stop with relevant written notice, and the Yuanding debit card that has canceled the payment stop can continue to be used.

Article 19 Card Replacement Management

(1) After a written loss report of Yuanding debit card is made, the cardholder can present the loss report application form and his/her valid identity document to the original issuer. Fill out the card replacement application form at the card branch to redeem a new card.

(2) If the card is damaged, the cardholder can go to the original card-issuing outlet to apply for a new card with the card and his/her valid ID.

(3) If the card holder of the corporate card is changed due to job changes or other reasons, the account opening unit should issue a certificate of change of card holder, and go to the original card issuer to go through the card replacement procedures in a timely manner. Risks and losses incurred before this time shall be borne by the account opening unit.

Article 20 Freezing Management

No unit or individual may freeze the cardholder's account at will. The People's Court shall try or execute cases, and the Procuratorate and Public Security Bureau shall investigate and deal with economic crime cases. If the cardholder's account is to be frozen, the "Notice of Assistance in Freezing Deposits", his/her work permit or official service certificate must be provided, and must be signed by the president (director) before execution can be carried out. When accepting the freeze, the handling personnel must strictly check the contents of the "Notice of Assistance in Freezing Deposits" and return it if there is any discrepancy. The freezing period cannot exceed 6 months. If it needs to be extended for special reasons, the unit that decides to freeze must go through the renewal procedures. The maximum renewal period shall not exceed 6 months. If the freezing renewal procedures are not completed within the time limit, the freeze will be deemed to be automatically revoked. If it is necessary to unfreeze within the freezing period, it should be based on the "Notice of Unfreezing Deposits" issued by the unit that decided to freeze, and it is not allowed to unfreeze on its own. The relevant regulations will be implemented in detail.

Chapter 3 Account Cancellation Management

Article 21 Under any of the following circumstances, the card issuer may handle account cancellation for the cardholder:

(1) The cardholder returns the Yuanding debit card with his or her valid ID and password and requests to cancel his Yuanding debit card account;

(2) After the cardholder reports the loss in writing, With your valid identity document, you are required to cancel your Yuanding debit card account;

(3) In the event of the death or disappearance of the personal card holder, the account can be canceled in accordance with the relevant provisions of the Savings Management Regulations; < /p>

(4) The legal representative of the unit card or his written client applies in writing for account cancellation.

Article 22 To cancel the account, the cardholder must bring a valid ID and Yuanding debit card to the original card-issuing outlet, fill in the account cancellation application form, and return the card.

If the cardholder entrusts an agent to cancel the account on his behalf, the cardholder must present the cardholder’s valid ID, written power of attorney, the agent’s valid ID and a copy.

(1) Cancel the affiliated card and cancel the association of the corresponding associated account.

(2) If an individual has a discounted main card and cancels the card, he must first cancel the applied supplementary card, then cancel other accounts in the main card (except the main account), and finally cancel the main card. Cancel the card and cancel the association with the corresponding main account.

(3) To cancel the main card without discount, you must first cancel the supplementary card you applied for, then cancel other accounts in the main card (except the main account), and finally cancel the main card. If you cancel the card, cancel the association with the corresponding main account, settle the balance of the main account at the same time, and cancel the corresponding main account.

(4) To cancel the main card of the corporate card, you must first cancel the applied supplementary card, then cancel the main card, cancel the association relationship with the corresponding main account, settle the balance of the main account, and The corresponding main account is closed, and the main account balance (together with interest) is transferred to the basic deposit account, and no cash withdrawal is allowed.

Article 23 It is generally not allowed to close the special account in the Yuanding debit card personal card. Cancellation of the special account must be completed after the balance of the special account has been settled and authorized by the supervisor at the card opening outlet.

Chapter 4 Card Management

Article 24 Yuanding debit card is regarded as an important blank voucher and is included in the accounting of off-balance sheet accounts, with one yuan per card as the accounting unit. , implement "unified printing, dedicated management, and warehousing for storage." At the end of each day's business, managers should carefully count the use and balance of various cards to ensure that the total points are consistent, the accounts are consistent, and the accounts are consistent.

Article 25 Blank Card Management

(1) After receiving the blank cards, each card production unit should immediately count and go through the registration and storage procedures, and send the manufacturer's delivery note After being bound as an attachment to the summons on the same day, separate accounts are set up according to card types, important blank voucher registers are registered in a timely manner, and warehousing details are recorded in detail.

(2) To receive a blank card, the clock puncher must fill out the form in duplicate according to the card production plan reported by the non-card production unit to the card production unit within its jurisdiction or the collection plan of the business outlet within the jurisdiction of the card production unit. Fill out the "Important Blank Voucher Receipt Form" and get the card from the blank card administrator.

Article 26 Management of punched and unissued cards

(1) After punching in, the clock-in person will hand over the punch-in list and the card to the card issuer. After the card issuer checks that it is correct, the card issuer will The bookkeeper registers the issued and unissued cards according to the card type in each unit. At the same time, the accounting of important blank voucher accounts outside the table is recorded, and the cards are stored in the warehouse for safekeeping.

(2) When a non-card-producing unit collects printed and unissued cards from the card-producing unit, it must be collected by personnel (two persons) from the financial department and is not allowed to entrust others to handle it. The receiving unit must fill in one copy Two copies of the "Important Blank Voucher Collection Form" (must be accompanied by the blank card collection plan declared by the applicant) and stamped. The card collector (two persons) must check the number of cards and sign after receiving the card. The bookkeeper of the card-producing unit should immediately register the printed and unissued cards in the register of cards issued by non-card-producing units, and record the accounting of important blank voucher accounts outside the table. Card collectors from non-card producing units should immediately go through the handover procedures to the relevant personnel after receiving the card, and register it in the register on the same day.

(3) To receive the card at a business outlet, the "Important Blank Voucher Receipt Form" must be filled in and stamped. The business staff (two persons) will go to the card management department to collect the card. The business staff at the business outlet must check after receiving the card. Number of cards and signature. After receiving the card back to the branch, the business staff must immediately go through the handover procedures with the relevant personnel and register it in the register on the same day.

Article 27 Management of invalid cards

(1) Custody of invalid cards

To recycle invalid cards, corners must be cut or holes punched (destroy the magnetic stripe information) , machine-printed invalid cards must be processed by the punch-in clerk after confirming that each invalid card is the one that should be punched in that day, and then working with the invalid card custodian to cut corners or punch holes. At the end of the business day, make a list of all invalidated cards and submit it to the invalidated card custodian for safekeeping, and register the Yuanding debit card invalidation register, indicating the date, reason for invalidation, invalidated card number (blank if the card number is unclear) and quantity, and at the same time Record off-balance sheet subjects.

(2) Destruction of invalid cards

The following items should be followed when destroying invalid cards:

1. The actual number of invalid cards and the invalidation of Yuanding debit cards The registration book can be destroyed only after it is verified to be correct;

2. The destruction of invalid cards should be applied by the person in charge of the card management department of the card issuer, approved by the president (director) of the bank, and a designated person (card management department) , accounting, auditing, supervision, security and other departments) are responsible for destruction;

3. Invalid cards should be destroyed regularly. When destroyed, they should be carefully counted and checked to prevent loss. After destruction, the destruction personnel, The cancellation supervisor signs and seals the invalid card destruction list.

Article 28 Inspection and Supervision

(1) When important blank voucher management personnel are transferred, important blank vouchers must be handed over under the supervision of relevant leaders and the details must be counted and verified category by category. Relevant accounts and keep records to ensure that the accounting facts are consistent and the accounts are consistent.

(2) Adhere to the database checking system and adopt both regular and irregular methods. The business supervisor will check the blank cards at least once a month.

Chapter 5 Charge Management

Article 29 There is no validity period for the Yuanding debit card. The card issuer can decide on its own whether to charge annual fees and issue cards in accordance with relevant regulations ( Including card replacement, card replacement) cost and other related expenses.

Article 30: When the card issuer handles the Yuanding debit card password loss report and card loss report for the cardholder, it may charge fees according to regulations according to the type of business.

Article 31 Yuanding debit card holders must pay corresponding handling fees when handling deposits, withdrawals, transfers and other services. The handling fees will be deducted directly from the cardholder's account by the card issuer. , the specific standards of handling fees shall be implemented in accordance with relevant regulations.