：
1. What is a second-class personal account?
Class II accounts are accounts with some restrictions compared with Class I accounts. Under normal circumstances, for bank accounts that can't access cash or transfer money from unbound accounts, the daily payment limit of such accounts is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan. It supports opening through electronic channels such as mobile banking, and can handle banking services such as savings deposit, wealth management purchase, fund purchase, consumption payment within the limit, unlimited self-binding account transfer, and unlimited self-binding account transfer to unbound account.
Two, two kinds of personal account deposit funds daily cumulative limit is
The limit of secondary account is as follows: the daily cumulative limit of cash transfer and deposit in unbound account of secondary account is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan. The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
There are no restrictions on the deposits of Class II bank cards, but deposit transactions include non-zero balance account opening, cash deposit, unbound account transfer deposit and fund redemption of some financial products. The daily cumulative limit is 654.38 million yuan, and the regulations of different banks will be different, mainly depending on the specific regulations of banks.
1. Second-class households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts.
2. If the identity of the second-class households is confirmed by the bank staff in person through the bank counter and self-service equipment, they can also handle cash deposit and withdrawal, transfer of unbound account funds, and issuance of bank card entities.