Do I need to bring a card to check bank statements, and how to check bank card statements

Bank statements can be operated in four ways:

1. You need to bring your ID card and bank card to the non-cash business window of the bank branch to print it out by the bank staff;

2. Bring the bank card to the self-service inquiry equipment of the bank branch to print. The self-service inquiry machine --- insert the card or passbook--- enter the password--- enter the inquiry details page--- the historical details--- enter the date required for the inquiry and printing--- and the inquiry --- printing history;

3. Log in to personal online banking--- open the personal account bill--- select the cycle of querying the bill--- export the bill details, save the document, and then print it through the printer (prerequisite: you need to activate the online banking function);

4. **The customer service side of the bank's mobile app --- log in to the mobile banking ---My Account ---Account Details--- you can view the bill flow, which is only for inquiry and cannot be printed (prerequisite: mobile e-banking needs to be opened).

Hello dear, happy to answer for you. 1.Bank Counter Enquiries.

If users want to check the bank statement, they can bring their ID cards and bank cards to the counter of the nearby bank outlets for inquiry, which is very convenient. Of course, users need to pay attention to the fact that if it is used for loans, they also need to find bank staff to help stamp the seal of the bank's business outlets. 2.

Use the self-service inquiry machine to make an inquiry. Under normal circumstances, there will be self-service inquiry machines in banks, and users can check their bank statements by entering their passwords after putting their ID cards and bank cards. At the same time, you can also use the self-service inquiry machine to print.

3.Online Banking Enquiries. The premise of using this method of inquiry is that the user needs to open the online banking function.

After activating this feature, users log in to their online banking. Find the statement of your personal account and select the period, and you can check the bank statement. 4.

Mobile Banking Enquiry. This inquiry method is basically the same as online banking, users also need to open the mobile banking function, on the mobile phone ** bank APP, enter and password login, after entering the account, query the bill details. You can see the account flow of the bank card.

However, this method can only be queried, not printed.

Bank Counter Enquiries. You can bring your ID card and bank card to the counter of a nearby bank branch for inquiry, and use the self-service inquiry machine to make an inquiry. After the ID card and bank card, you can check your bank statement by entering the password.

There are several ways to check your bank card statement:

1. Bank counter inquiry: The cardholder should bring the bank card and ID card to the counter of the local bank branch to check the bank card statement;

2. Self-service inquiry machine: The cardholder should bring the bank card and ID card to the self-service inquiry machine of the bank's offline outlets for inquiry;

3. Online banking inquiry: After opening online banking, the cardholder can inquire about personal bills through online banking;

Extended information: Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to be issued to the public. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system makes this"No checks, no cash"The dream became a reality.

Classification method. In general, bank cards are divided into credit cards and debit cards according to whether the credit line is granted to the cardholder. In addition, bank cards are ok.

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic card and overseas card;

According to the different issuance objects, it is divided into individual cards and unit cards;

According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

Debit cardsDebit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, restaurant, and entertainment industry), and has the functions of transferring money and depositing and withdrawing cash. A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, no overdraft, the amount in the card is based on the current deposit and interest. Funds are transferred directly from the savings account when spending or withdrawing. Debit cards generally require a PIN to use.

Debit cards can be divided into regular, gold, and platinum cards according to their levels; According to the scope of use, it can be divided into domestic cards and international cards.

Credit cardsCredit cards are further divided into credit cards and quasi-credit cards. A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the bank's requirements, and when the reserve fund is insufficient to pay, it can overdraft within the credit limit specified by the issuing bank.

Credit cardCredit card, commonly known as credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit. It has the following features: Spend first and repay later, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay the loan in installments if they have an overdraft.

Customers are required to pay a certain amount of annual fee to the bank they are applying for, which varies from bank to bank.

Bank statements generally only look at the past six months, and only look at the interest settlement flow and punch card salary flow. Each bank pays interest once a quarter. Generally, it is March, June, September, December.

The specific interest settlement time varies from bank to bank, and is generally around the 20th of the above four months.

Generally, only when applying for a loan, you need a bank statement. And I only look at the flow of water in the past half a year, and I don't look at the previous flow. Among them, the more important thing is the interest flow and the salary flow of the clan hall.

Because these two items are the best indication of the applicant's ability to repay. If you have a lot of interest on your bank card, it means that you will have more deposits. There is also the punch-in flow of the company's account, which must be the flow of the company's public account, and the flow of personal account transfer, which is useless.

The larger the rollover, the higher your income, and the stronger your ability to repay.

Here are a few examples to give you a better understanding of what is effective turnover and how to calculate it.

My bank card has millions of incoming and outgoing accounts every day, and no matter how much of this turnover is, it is useless.

The company uses the boss's account to pay you a salary of 30,000 yuan a month, and this kind of turnover is useless.

I will deposit a fixed amount of money into my bank card every month, and I will always have it, so that when the time comes, the bank will give me interest. This kind of interest flow is useful.

The company will use the company's account to pay me a salary of 3,000 yuan per month, and this kind of punch-in salary is also useful.

The first two kinds of running water are invalid running water, which is useless. No matter how much money you put in and out of your account every day, as long as you don't stay overnight, it will be invalid, and it is better to keep 10,000 yuan in the bank card every month. Similarly, banks or financial institutions will also prefer the latter two types of flows.

The first type, a large amount of money in and out of the account, can only indicate that your liquidity is relatively large, but it cannot prove that these funds are yours. The second type, the transfer of the boss's account, cannot be proved to be a salary flow, after all, the flow can be faked. Third, the money has been in the bank, which can prove that the money is yours.

Fourth, the company's account payment, because there is a tax, so it can be well proved that this trillion sum of money is salary. Therefore, of the above 4 types of running water, only the last two are real flowing water, and the first two are invalid flowing water. Voykey.

Then the bank's flow and funds must exist for a long time in order to calculate interest for you. The bank will not calculate the flow of fast in and fast out.

So to sum up: the bank counts the flow, and only counts two kinds of flow, one is the interest settlement flow. One is to punch in and out of salary.

The interest settlement can prove that the money is indeed yours at present, and the check-in salary flow can prove that the money is indeed paid by the company, which can prove your job stability and salary income level. So these two kinds of running water are useful.

When you go to the bank to check the water of Liupei, you only need to bring your ID card and bank card (passbook). Go to the counter and ask the staff to apply for checking the flow, and then change the ID card and bank card (passbook) to the staff, and the staff will help you check it.

Of course, many outlets have self-service inquiry machines, so customers can also go to the self-service inquiry machines to check the flow of water. As long as the card (passbook) is placed in the induction area of the self-service inquiry machine, and then operate according to the prompts displayed on the machine. Enter the password, enter the details page, and then select the date, you can query, click "Print" to print the flow out by yourself.

If you are looking for a counter staff to help you check it, you can also ask the staff to help you print it after the query result is obtained. After the bank statement is printed, you must remember to find the staff to stamp the bank seal, otherwise it will be useless.

However, it is not necessary to go to bank outlets to inquire about the flow of information, and customers can also choose to log in to online banking or mobile banking for inquiry.