2. Cultivate children's thrifty habits and open a ceremonial bank account.

3. Parent-child game: Act with children.

Disadvantages: 1 Opening an account for minors is very complicated.

2. The follow-up business of minors after opening an account is more complicated.

The validity of bank accounts is very short.

Children's bank cards are/kloc-the bank cards of children under the age of 0/6. These bank cards usually have no overdraft limit or the overdraft limit is very small, which requires the prior consent of parents. There are also strict restrictions on credit card consumption, but all kinds of functions are complete, which can be understood as adult bank cards with reduced limits.

/kloc-children under the age of 0/6 can open their own accounts in five major banks with their household registration books and valid certificates from their guardians. Among them, ICBC, Bank of China, Bank of Communications and other banks have launched special cards for children.

Compared with the ordinary debit card account, the special card for children appears to have a single service function. Children's special cards of ICBC, Bank of China and Bank of Communications can realize basic service functions such as deposit and withdrawal, consumption and transfer of general debit cards.

The three banks have different restrictions on payment, online banking, wealth management and other functions, and the specific situation is not the same. Among them, for those who open ICBC Baby Growth Card and sign exclusive financial management agreement, the bank can provide account management functions such as automatic transfer of excess quota, account change reminder and monthly consumption quota setting. However, the children's card does not support the functions of purchasing wealth management and fund fixed investment, and the online banking function cannot be opened.

China Bank's "Great Wall Youth Card" for young students under the age of 16 adds multi-account function and payment function, and also does not support bank financing and fund investment.

Bank of Communications "Pacific Children Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors themselves cannot handle this business alone.

Except for ICBC, all other major banks indicated that there was no special card for children by 20 12, but minors under 16 can open ordinary bank debit cards with their household registration books, valid identity documents of guardians and guardianship certificates.

The discount for children's exclusive card service is very limited, and even some banks have no discount at all. Among them, ICBC exempts 16-year-old "Baby Growth Card" cardholders from the annual fee and account opening fee, but if the average daily balance of the account is less than 300 yuan, it will also charge a small account management fee according to 3 yuan/quarter. In addition, ICBC also gives preferential treatment to parents to transfer and remit money to children under 16.