If you buy at the bank counter, you only need to apply for a debit card from the bank, fill in the personal card application form at the bank counter, and then the counter staff will help you. Not every bank sells the same fund. Choose your favorite fund in this bank, fill in the fund application form, and the counter staff will help you do it well, that is, generate a fund account on your card. If the fund company has an account, as long as you have money on your card, it will be transferred to this fund account when you buy it.

The operation of the bank counter staff is:

Pay the money first, and then put it on the account. After counting the cash handed in, swipe your card in the card reader according to the completed card application form, and then enter a series of information such as your name. You will also be asked to set the card password, usually twice. After the card is completed, select the registered account of the fund customer in the fund business option, and fill in the information such as name and address at the same time, and the system will generate a basic account, which is the only account corresponding to your card. Then choose the fund subscription option, choose the fund you want to buy, enter the amount you want to buy (premise: you have enough money in your card), and then print the transaction form, which may require you to sign for confirmation. Each of your funds has an account, but your customer number is unique.

When you redeem it, you transfer it from the fund account to your card deposit account. The fund account still exists, so when you want to buy it again in the future, you will use this fund account. If you no longer buy the fund, you can cancel the fund account, fill in the fund account cancellation form, and the bank staff will cancel the account.

If you have opened online banking, you can also open it online, taking ICBC as an example:

Detailed operation steps of ICBC online fund purchase

Fund purchase: purchase or subscribe for the invested fund products.

Operating steps:

Step 1: In the "Online Fund" menu, select "Fund Transaction-Fund Purchase".

Step 2: The system will automatically return the information of various fund products represented by the bank, including the fund products currently being issued by the bank.

Step 3: Click "I want to buy" in the operation bar of the fund to be purchased.

Step 4: Enter the quantity to be purchased. Click "Confirm" to make the transaction.

Step 5: Confirm the transaction information. After the transaction is successful, your funds will be temporarily frozen, and the funds will be officially transferred after the fund company confirms it. Please pay attention to inquire about the fund account and the change of fund account balance.

Matters needing attention

1, first purchase amount = personal minimum purchase amount+transaction level difference ×N(N is an integer); Additional purchase amount = personal minimum additional purchase amount+transaction level price difference ×N(N is an integer).

2. Front-end fees refer to the handling fees that need to be paid when subscribing and purchasing funds; Back-end charges refer to the fact that there is no need to pay the handling fee when subscribing and purchasing funds, but the handling fee is paid at the time of redemption, and the handling fee decreases year by year with the increase of the number of years of holding funds; Please check with the fund management company for details of fees.

3. When purchasing funds, if the trading hours are not within the normal trading hours of the fund market, we will process your purchase trading instructions within the next trading day.

Noun explanation:

Front-end charge: refers to the payment method for investors to pay subscription fees when they buy open-end funds.

Back-end charge: refers to the payment method that investors do not pay the subscription fee when buying an open-end fund, and then pay it when selling it. Back-end fees are designed to encourage investors to hold funds for a long time. Therefore, the rate of back-end charges will generally decrease with the growth of holding funds. Some funds even stipulate that if investors can hold the fund for more than a certain period of time before selling, the back-end fee can be completely exempted.

If you want to buy on the fund company's website, the operation is as follows:

Find the "Online Trading" menu on the fund company's website and select "Open Online Trading". At this time, you need to provide the bank card number, ID number and name. Next, the fund company should confirm your bank account (if you use the CCB card, 0.0 1 yuan will be deducted from your account to ensure the validity of the bank account. Industrial bank card will not). Then, you need to provide detailed contact information to complete the registration.

At this time, you can already buy funds. However, the purchase record will not be found immediately after subscription, and it will take 1~2 days. After the fund company confirms your account opening (usually SMS reminder), it generally confirms the fund subscription at the same time.