If a bank asks for a bank card, it has to buy a fund, and depositors can flatly refuse. After handling the bank card, the bank will open a securities account for you, which will not affect your account security. You can rest assured that you won't have to pay any fees. But if you are a state official, a bank or a securities practitioner, you should pay attention. According to the policy or internal regulations of the Bank, such personnel are not allowed to engage in stock trading. The company will regularly screen employees' information, and once a securities account is found, it will notify them and order employees to close the account regularly.