At present, second-class bank cards cannot be bound to securities accounts, and only first-class bank cards can be bound to open accounts. After the stock account is opened, you can bring the tripartite depository agreement to the bank counter for binding. You need to know the code of the securities company in the banking system and the code of the business department.

The second type of card is the bank card responsible for daily financial management, investment and other consumption.

Type II households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. Upon face-to-face identification by bank staff, Class II households can also handle cash deposit and withdrawal, transfer of funds from unbound accounts, and issuance of bank cards as physical cards. Among them, the daily cumulative limit of transferring cash to unbound accounts by Class II households is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.

What's the difference between a first-class bank card and a second-class bank card?

There are differences between the first-class card and the second-class card in terms of opening channels, quantity restrictions, functional scope and usage quota.

1. Opening channel: Class I bank cards must be verified at the bank counter in person; There are many channels to open second-class bank cards. Cardholders can choose to go to the bank counter in person or inquire about the opening through electronic channels such as mobile banking. You can choose according to your actual situation.

2. Number of accounts opened: According to relevant regulations, one person can only open one first-class bank card account with one ID card in a bank; However, you can open more than one second-class bank card. At present, you can generally open up to four second-class cards.

3. Function scope: A type of card has the most functions, and a type of card can be said to be a full-function account, and there is no scope limit when handling business; Compared with the first-class card, the second-class bank card is a restricted function account with limited business scope. For example, the second-class bank card does not support large-sum transfer, bank-securities transfer and cross-border remittance.

4. Limit: The limit of the first-class card and the second-class card is also different. A class of bank cards does not limit the amount when handling transfer, consumer payment and other services; Different from the first-class card, the second-class bank card has a limit when handling business such as transfer and consumer payment.

Of course, there are three types of cards besides Class I and Class II cards. Class III cards are electronic accounts launched by banks. Without a physical card, it can be opened at the counter or through online channels, and the amount of Class III cards will be limited.