What are the functions of online banking?

I use the online banking of the Bank of Communications, and occasionally buy some things online, and I know that only the online banking of the Bank of Communications does not need money (at present), and the function of online banking is as said on the first floor.

Give a personal opinion, if you don't often use online banking, there is no need to open it, it is very expensive.

There are five main functions of online banking——— account information inquiry and maintenance, account transfer (remittance), bill payment, investment and wealth management, and credit card management.

Account information inquiry and maintenance is a basic function of online banking. At present, the online banking of many banks can clearly list the account balance and account details under the user's account, and the account loss report can also be carried out through online banking. According to statistics, these two services are the most used features by users.

Account transfers include intra-bank intra-bank transfers and non-local transfers. This feature makes it easy to send money to your parents for children who work outside the home, or for your parents to send living expenses to their children who are studying abroad. Taking CCB as an example, after applying to become a contracted customer of CCB Online Banking at a CCB branch, the customer logs in to CCB Internet Banking, selects "Transfer and Remittance", selects Remittance, and fills in the name and amount of the incoming and incoming remittance users, and clicks OK to complete the remittance action.

Remittance through online banking can also save costs, the current bank counter remittance handling fee is, and through online banking remittance, according to the amount charged, the minimum is 2 yuan, the maximum is 25 yuan, and if the recipient and payer are both CCB customers, there is no handling fee for mutual remittance in Hebei Province.

Payment mainly refers to the payment of water, electricity, gas and ** fees, as well as mobile phone card recharge, etc., when paying, the user only needs to log in to the ** payment system of online banking, enter the user number of water, electricity, gas, ** bill, and select the funds to be transferred out to pay. There is no minimum amount of mobile recharge for CCB Online Banking, which is more suitable for students and other people with tight funds. At present, CCB's online banking can handle the payment of electricity bills, mobile phone bills, and co-paid phone bills.

This kind of payment service is not only completely independent in terms of login time, but also a great saving of energy and time.

Investment and wealth management refers to the online banking through the bank for bank transfer, purchase, purchase, purchase of bonds, purchase of paper and other services. At present, most banks have opened the above-mentioned services, and customers can inquire and buy and sell after opening corresponding accounts at their counters and signing and registering for online banking.

Credit card management refers to the opening of bank credit card accounts, credit card consumption bill inquiry, and consumption point inquiry, through which customers can easily complete credit card consumption and repayment by themselves.

The usefulness of opening online banking includes: checking the details of bank card balance, income, expenditure and other details through online banking; Through online banking, you can directly handle related business, such as investment and financial management, transfer, etc.; Users can also make online purchases directly, and the bank card used for online shopping must be opened for online banking; In addition, the business of online banking also includes corporate banking.