The first step is to handle the transaction card. The trading time is usually 9:30- 15:00 from Monday to Friday. Customers should go to the bank counter with their ID cards to handle bankfund transaction passbook and fund transaction card (different banks have different requirements for bankfund transaction cards).

The second step is to open a bank fund account. Investors buying and selling open-end funds must first open a fund trading account and a TA account. If they want to buy funds from several fund companies, they must open several fund accounts accordingly. An ID number can only open a fund account in a fund company.

The third step is to buy a bank fund. The process of investors buying fund shares during the raising period of open-end funds and before the establishment of funds is called subscription. Usually the subscription price is the face value of the bank fund unit plus a certain sales fee. Investors who subscribe for bank funds shall fill in the subscription application form at the bank counter, pay the subscription fee and go through relevant procedures to confirm the subscription.

The minimum initial subscription amount is generally 1000-5000 yuan, which varies from company to company. Some funds can also handle regular quota business, that is, it is agreed to automatically transfer a certain amount from the account on a fixed date every month to purchase the agreed bank fund (optional), and the monthly agreed deduction amount can be as low as 100-500.

The fourth step is to confirm the transaction. After 2-3 working days, you can check the confirmation of bank fund transactions through online banking or bank counters. If there are no accidents (computer failure, non-trading days, operational errors), the transaction can be concluded.