1. When handling a joint bank account, you must first determine the account share.

2. Second, both parties agree to * * * or authorize withdrawal.

3. After clarifying the above contents, apply for a debit card with your ID card.

4. Finally, provide the account holder's ID card, open a joint account at the counter, and the joint account will take effect after being signed and sealed by all account holders.

Personal * * * contemporaneous deposit account (hereinafter referred to as "joint account") refers to two or three natural persons who have reached the age of 18 and have full capacity for civil conduct, and * * * jointly open RMB personal current or fixed deposit accounts in the bank to meet customers' needs and * * * jointly manage RMB funds. The account is managed by the real-name system of account opening and deposit and withdrawal. This service supports counter handling of outlets within its jurisdiction, but online banking, telephone banking and other channels are not supported for the time being.

Opening an individual joint account: (1) If an applicant for a joint account does not have a customer number in our bank, he must first open a customer number for him. (2) To open a joint account, all applicants must be present together, keep their valid identity documents, open a branch, fill out the Application Form for Opening/Changing/Closing a Joint Personal Deposit Account in China Bank (hereinafter referred to as the Application Form), and * * * sign the Agreement on Joint Personal Deposit Account of Bank of China Limited (hereinafter referred to as the Agreement). All joint account applicants must sign the application form and the following documents. Customers who open personal settlement accounts shall declare in accordance with relevant regulations.

(3) When filling in the joint account application form, the teller must clearly remind the customer that the joint account will be opened under the top (i.e. the first) customer number in the "Joint Account Applicant Information Filling Column" of the application form. Applicants for all joint accounts must be designated by themselves.

(4) This application form is made in quadruplicate, one for the bank and three for the customer. This agreement is printed on the back of each quadruplicate. This Agreement shall be valid from the date of opening the joint account, when all applicants (the account owners of the joint account after opening the account (hereinafter referred to as all account owners) * * * affix "business seal" to the signing and handling media until the joint account is closed. After opening an account, the teller shall affix the "Special Seal for Business" on the copy of the application form filled in and signed by all account owners, and give the "Customer Retention Copy" to all account owners.

(5) Passbooks/certificates of deposit (hereinafter referred to as certificates of deposit) of joint accounts are printed with the names of all account holders, but only one certificate of deposit is issued.

A joint account is jointly opened by two or more (not more than five) individual customers. The withdrawal of joint deposits shall be handled in the agreed way. A joint account is a personal current settlement account or a one-time fixed deposit account. At present, only China Bank, China Industrial and Commercial Bank, China Construction Bank, Bohai Bank and China Industrial and Commercial Bank are gradually promoting joint account opening.