2. If you are a minor under the age of 16 and don't live in the local area, you need to provide a local residence permit in addition to the household registration book and the legal guardian's ID card to prevent the bank card from being used for money laundering and other purposes after it is successfully processed.
Extended data:
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.
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, if the ICBC Baby Growth Card is opened and an exclusive financial agreement is signed, the bank can provide account management functions such as automatic transfer of excess quota, account change reminder and monthly consumption quota setting. However, children's cards do not support functions such as purchasing wealth management and fund fixed investment. , and you can't enable online banking.
The "Great Wall Youth Card" of China Bank for young students under 65,438+06 (discontinued on June 2065,438+06) has added the functions of one card, multiple accounts and remittance collection, and this card also does not support bank financing and fixed 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.
With the exception of ICBC, China Communications and Shanghai Communications, all other major banks indicated that there were no children's cards before 20 12, but minors under 16 can open ordinary bank 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 parents1children under the age of 6 a discount of free transfer and remittance fees.