This situation is mainly due to rights protection, identity verification, and fund contract regulations.

1. Protection of rights and interests: Education fund is an education savings specially prepared for children. Its purpose is to protect children’s education. It is a kind of assistance provided to help students from families with financial difficulties complete their studies.

2. Identity verification: When handling withdrawals, banks need to verify the identity information of the person handling the transaction to ensure the legality of the operation.

3. Fund contract provisions: The specific time, method and conditions for withdrawing education funds need to be judged according to the contract terms of the fund product.