the deposit and withdrawal of the provident fund are usually associated with a specific bank account, that is, the provident fund co-branded card. This bank card is opened by the depositor of the provident fund to manage the provident fund account more conveniently, and is used to store the deposit and withdrawal of the provident fund.

I. Definition and function of provident fund co-branded card

The provident fund co-branded card is a co-branded card jointly issued by the housing provident fund management center and commercial banks, which has dual functions of provident fund account and bank account. This card is mainly used to record the deposit and withdrawal of employees' individual housing provident fund, and it is an effective certificate for the depositor of housing provident fund to deposit housing provident fund.

II. Handling and binding of joint provident fund cards

Handling joint provident fund cards usually requires employees to bring their valid identity documents to the designated commercial banks to apply. In the application process, employees need to fill in relevant information and sign relevant agreements to ensure the accurate binding of provident fund accounts and bank accounts.

once the provident fund joint card is successfully processed and bound to the provident fund account, employees can deposit and withdraw the provident fund through this card. At the same time, the co-branded card also supports daily bank deposit and withdrawal, transfer and other businesses, which is convenient for employees to manage funds.

Third, how to inquire about the information of the provident fund co-branded card

Employees can inquire about their own provident fund co-branded card information through various channels, including logging in to the official website of the Housing Provident Fund Management Center or the mobile phone APP, and entering personal information for inquiry; You can also call the customer service phone of the housing provident fund management center for consultation; You can also go directly to the designated commercial bank counter or ATM machine for inquiry.

iv. change and cancellation of the joint provident fund card

if employees need to change the relevant information of the joint provident fund card or cancel the card, they can go to the designated commercial bank or housing provident fund management center to handle it. In the process of handling, employees need to provide relevant supporting documents and fill in the application form to ensure the legality and accuracy of the operation.

To sum up, the provident fund is usually deposited on a joint card bound to the provident fund account. This bank card has the functions of both a provident fund account and an ordinary bank account. Employees can deposit and withdraw the provident fund and conduct daily banking operations through this card. When handling, inquiring, changing or canceling the joint provident fund card, employees need to follow the relevant regulations and procedures to ensure the correctness and safety of the operation.

Legal basis:

Article 13 of the Regulations on the Management of Housing Provident Fund

stipulates:

The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.

the unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for its employees. Each employee can only have one housing provident fund account.

the housing provident fund management center shall establish a detailed account of employees' housing provident fund to record the deposit and withdrawal of employees' individual housing provident fund.

Article 24 stipulates that employees may withdraw the storage balance in the employee housing provident fund account under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) the rent exceeds the prescribed proportion of family wage income.