Under normal circumstances, when the user first sets up a trade union card, the card has no money. Users can use or withdraw the funds after opening the financial account function of the trade union card and transferring the funds to the trade union card. It should be reminded that the trade union card should be distinguished from the trade union membership card of ICBC, and the trade union membership card of ICBC cannot be used for withdrawal.

ICBC's trade union membership card is non-refundable.

The joint card has the following functions:

1. With this card, you can get free services such as legal aid, difficult help, psychological consultation, job introduction, vocational skills training, etc.

2. In the future, funds for mutual medical insurance for employees, subsidies for needy employees, assistance funds, assistance funds for "Golden Autumn Education" and model worker allowances will be directly transferred to the trade union card, so that members can receive corresponding funds more timely and conveniently;

3. After activating the trade union card, each cardholder will receive a one-year personal traffic accident insurance with a coverage of up to 200,000 yuan, plus hospitalization medical allowance, which will provide a solid guarantee for members. Traffic accident insurance covers airplanes and trains (trains, light rails, subways, etc.). ), operating ships (the maximum insured amount is 200,000 yuan) and operating cars (the maximum insured amount is 654.38+10,000 yuan) are all over the world. The hospitalization allowance can be paid in 30 yuan for up to 90 days.

Starting from 20 17 12 1, ICBC will charge cash withdrawal or transfer payment for credit card overdraft according to the following standards:

Rmb: 1% of the amount, ranging from 2 yuan to 100 yuan. The charging standard for "domestic inter-bank ATM withdrawal" is adjusted to "4 yuan/transaction plus overdraft withdrawal fee".

After the implementation of the new charging standard, there are actually two kinds of fees for overdraft cash withdrawal or transfer payment of oilfield trade union member service cards held by the majority of oilfield employees:

First, the overdraft interest is charged at the daily interest rate of 0.5 ‰ of the overdraft amount;

2. Charge a handling fee of 1% for overdraft cash withdrawal or transfer payment, RMB: minimum 2 yuan, maximum 100 yuan. For inter-bank ATM overdraft or transfer, a handling fee of 1% of the withdrawal or transfer amount will be added on the basis of each 4 yuan.

There is no charge for local withdrawal or transfer of self-owned deposits in member service card accounts. Free to 20 18 12 3 1.