Banks only sell fund products to fund companies. Since the fund you bought is pure debt, it means that the risk is very small, but at the same time the income is relatively small. What you may lose during the three-month closure period is your handling fee. As for the fund itself, the probability of loss is not great.

I think it is more convenient to buy funds in the bank than in the trading software of securities companies. They are all operated online, and there is tripartite custody, which is safer.