Which bank is more convenient for ordinary individuals to open?

It is recommended that you go to ICBC to open online banking.

Here's the full process:

Before opening online banking, I should apply for a debit card at ICBC with my ID card (minors without ID cards can hold a household registration booklet), but if the average daily balance of the card does not reach 300 yuan, a small account management fee of 3 yuan will be charged every quarter, and the annual fee for ICBC's online banking is 12 yuan, which is currently exempt.

If you apply for U shield, Huahong 60 yuan and 68 yuan, G&D and Goldpac 76 yuan, electronic password card production cost 2 yuan, some areas are exempt.

Second, after logging in, click on"Personal Internet Banking Login"When you log in to online banking for the first time, the page will prompt you to install the security control, you must click Install If you are unsuccessful** Control can log in After that, select: Client function software Control program ** and install it If you apply for U shield You also need to install the same driver as U shield.

Thirdly, after logging in to Internet Banking for the first time, you need to change your Internet Banking login password to a combination of letters and numbers.

Fourth, after logging in to online banking for the first time, you need to set up one"Reserve verification information", which is used to verify the identity of the customer when making ** payment in the future, in order to improve the security of ** payment.

Fifth, in the online banking system, it is convenient to transfer and remit between cards and cards, and can also convert the current account deposit in the card into a fixed deposit, electronic remittance, inter-bank remittance is more convenient for customers to transfer and remittance, as well as ******** and other services, which are very rich in functions; After opening online banking, you can also easily recharge Alipay, online consumption, online payment, etc.

It is very convenient to apply for a credit card of China Merchants Bank and then open the online payment function, and there is no problem with daily consumption and online shopping.

Generally, it is better to choose industry and commerce, construction, China, and postal banks.

To open a personal bank account, you need to provide the original and photocopy of your ID card and ** account card. If you are acting on behalf of the client, you need to sign the power of attorney and the original and copy of the agent's ID card.

The basic deposit account is the account where the depositor handles daily transfer settlement and cash receipt and payment. It is the main account opened in the bank by each independent settlement unit or enterprise that implements independent accounting. According to the regulations, each depositor can only open one basic deposit account with the bank.

It is mainly used for daily transfer settlement and cash receipt and payment, and the withdrawal of cash such as wages and bonuses of enterprises and institutions can only be handled through this account.

Bank account considerations.

After individuals retain a Type I account, the central bank stipulates that before the end of 2016, banks will cancel the handling fees for deposits, withdrawals, and transfers in other places of peers, which will bring certain benefits to people who often go out for business or travel.

If the personal account is bound to Alipay or WeChat, in order to ensure the safety of the funds in the daily consumption account, the account can be downgraded to a class or a class account, and only the depositor needs to go through the basic identity confirmation; However, in order to upgrade a class or class account to a class account, the customer needs to go to the bank branch to verify the identity on the spot.

OneDear, if your corporate account is used to pay social security and is not used often, it is better to choose a bank with lower management fees.

LikeShanghai Pudong Development Bank, Ping An, Industrial Bank, China Everbright Banketc., all fees are waived for the first year, and 200-400 years for the second year.

IIIf you want to receive foreign exchange conveniently or have more bank outlets, and want to open an account, it is better to choose the four major banks.

For example, the annual fee for the management fee of the Bank of China is 688 years, and the annual fee for the Industrial and Commercial Bank of China is 498 years.

Now Shenzhen has cancelled the account opening license, but the account opening process remains unchanged, the account opening time is shortened from 1-2 months to the same day and take the public Internet banking, there is no need for a lease contract, no address office, legal person can also open a bank, the public quota can be increased, there are free bank management fees, no deposit of the bank for everyone to choose!

At present, Shenzhen company account opening bank requirementsDoor-to-door verification of address, the main ones are currently recommended:Shanghai Pudong Development Bank, Industrial and Commercial Bank of China, Industrial Bank, Bank of China, Minsheng Bank(It is also possible to apply for inconsistencies between the registration and the actual address.), the address of the residence and the potato town with no addressYou can open an account through channels).

Now Shenzhen company needs to open a bank account

1.A company signboard is required.

2.The legal person is genuine, and has an understanding of the company's basic situation and business; (It cannot be a legal person who is invited, except in special cases where the family is in charge).

3.Need to come to your door to take pictures; (No address can open an account through channels, no need to come to take pictures).

Account opening cycle: 3-5 working days at the earliest;

The information provided for bank account opening is as follows:: Original business license, official seal, financial seal, private seal, legal person shareholder ID card, and original ID card of online banking administrator.

Summary. Hello, I am your 1-to-1 consulting teacher, I will wholeheartedly answer for you Which bank card is better for individuals, it is recommended to choose a debit card from a state-owned commercial bank (such as Industrial and Commercial Bank of China, Agricultural Bank of China, Construction Bank, China Bank, etc.), they have many outlets, many self-service equipment (there are ATMs, there are also deposit machines), and it is convenient to access and withdraw.

Which bank card is better for an individual?

Hello, I am your 1-to-1 consulting teacher, I will wholeheartedly answer for you Which bank card is better for individuals, it is recommended to choose a debit card from a state-owned commercial bank (such as Industrial and Commercial Bank of China, Agricultural Bank of China, Construction Bank, China Bank, etc.), they have many outlets, many self-service equipment (there are ATMs, there are also deposit machines), and it is convenient to access and withdraw.

The variety of individual businesses in the construction of workers and peasants is also one of the advantages. You should consider it on your own.

If you need to apply for an ABC savings card, you need to provide your valid ID card and a copy to apply for a Golden Harvest Debit Card at any ABC outlet across the country. No more than 4 debit cards (including supplementary cards and sleep cards) opened by the same customer in ABC, of which no more than 1 debit card for similar customers; If the customer has held 4 or more debit cards in ABC before, ABC shall not open or activate a new debit card for him/her, and the debit card that has already been opened can continue to be used normally. Except for social security cards, medical security cards, military security cards, and debit cards that have been cancelled.

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Now the bank settlement channel is convenient and fast, and there is no need to choose a bank to open a corporate settlement account, and there is no essential difference between banks. In fact, the unit opens a bank settlement account, regardless of the first organ, enterprise or private enterprise, a basic account.

It's enough, why open a general account.

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First, the reason for opening a general account. First, in order to clarify their accounts, some units have opened multiple general accounts by classifying the unit's funds according to different purposes; In order to complete the deposit task, many banks take the trouble to find the boss of the unit or ask the financial department to open a general account, after all, the amount of funds in the unit is stronger than the account of friends in the town.

Second, the steps to open a general account. The first is to prepare the account opening materials: the original business license and account opening permit.

Original, legal person ID card.

Original, original ID card of the operator, authorization letter for opening an account, and institutional credit certificate; The second is to go to Luhui Bank to fill in the "Application for Opening a Settlement Account for Corporate Units" and the "Account Management Agreement", hand them over to the counter for processing, and affix the official seal and legal person seal on the application and agreement.

Seal the reserved seal on the seal card, and generally stamp the financial seal and the legal person seal.

Third, the precautions for opening and using a general account. First, general accounts are not allowed to purchase cash checks for cash transactions, that is, they cannot deposit or withdraw cash, but can only transfer money; The second is that the long-term do not need to be converted into a long-term hanging account, when the account opening in order to erase the face, go to the bank to open an account has not occurred after the transaction, talk about Huaidan was transferred to a long-term hanging account by the banking system, which will affect the opening of a general account in other banks in the future.

There is not much difference in choosing a bank to open a general account, at least in transfer and online banking.

The speed of use is about the same, but the cost may be more realistic. Some banks charge management fees and usage fees on an annual basis, while some banks, especially small commercial banks, charge zero fees, and online banking is also free of charge.

Those who don't mind can choose a free local commercial bank.

It is better to choose the Agricultural Bank of China, because the Agricultural Bank of China is a typical savings card in China, and many users generally only need to stare at or use the group morning function of savings, and it is also a very great guarantee for our money.

Generally, it is best to choose the four major state-owned banks, because these banks use the largest number of people, and they are directly responsible for the state, and the security is the highest.

If you want to open a general account, it is actually better to choose the National Bank, and you can choose the Industrial and Commercial Bank of China or the Bank of Communications.