Online banking, also known as online banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management, so that customers can safely and conveniently manage current and time deposits and checks without leaving home.

The steps for opening online banking are as follows (take China Construction Bank as an example):

1. First, open a bank account in a major bank and apply for a bank card.

2. Online banking can be opened directly at the bank counter. You need to provide your ID card and bank card, and the ID number is the same as when you open the contracted account.

3. If you open it online, you can open it by logging in to the bank's website. First, find personal online banking on the webpage, and click it:

4. In the login window that appears, click below to open it immediately.

5. according to your own business needs, after choosing a good customer type, click below to open it immediately.

6. Read the agreement and risk warning, tick "I have read it carefully", and then click the consent below.

7. Fill in the account information, and then click Next.

8. Enter the SMS verification code and press Next.

9. Confirm the basic information of online banking, and it was successfully opened.

Extended information:

Advantages:

The characteristic of online banking is that customers can access online banking to handle transactions through the Internet all over the world as long as they have their account numbers and passwords. Compared with traditional banking services, the advantages of online banking are as follows:

1. It greatly reduces the operating costs of banks and effectively improves their profitability. The second bank of Internet I mainly uses public network resources. There is no need to set up physical branches or business outlets, which reduces the use of personnel and improves the efficiency of the bank's back-office system.

2. there is no time and space restriction, which is conducive to expanding the customer base. Online banking has broken the geographical and time constraints of traditional banking, and has the characteristics of 3A, that is, it can provide financial services to customers at Anytime (anytime), Anywhere (Anyhow) and in any way (Anyhow), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.

3. It is conducive to service innovation and provides customers with various and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.

Using the Internet and bank payment system, it is easy to meet customers' demand for consulting, purchasing and trading various financial products. In addition to banking business, customers can also easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services.

Reference: Baidu Encyclopedia-Online Banking.