Bank accounts are divided into Class I, II and III, what are the functions of each?

Each person can only have a maximum of four savings cards in the same bank, including one type of account, and the other three can only be class or class accounts. Bank accounts are divided into I, II, III, and most people don't know what the functions of these three categories are. <>

Type I Accounts. The card that most of us hold in our hands is a similar account, a card that is opened over the counter of a bank, such as a debit card, and it is okayWealth management, deposits, transfers, and bill payments (unlimited amounts).。It can be used for payroll punch cards and large consumption cards.

In addition, the central bank stipulates that each person can only open one type of account in the same bank. <>

Type II Accounts.

If the card is opened through electronic channels, it does not support transfer to non-bound users, nor does it support cash withdrawal, and can only be handledFinancial management, investment, online shopping。However, if the account is opened through a physical counter, the account with face-to-face identity confirmation can be withdrawn and transferred, but there is a limit on the amount, with a daily limit of 10,000 and a term of 200,000, and the credit card belongs to the class of cards.

If you need to apply to the bank counter and confirm your identity face-to-face, the class card will be upgraded to a class card.

Type III Accounts.

A class account is like a coin purse, a virtual form. That's what it doesQuick payments and micropayments, such as online banking, WeChat, Alipay scan code payment. Its restriction is that the balance on the card cannot exceed 2,000 yuan, and if the balance exceeds the limit, it will be forcibly transferred to other bank card accounts.

Class cards are portable and quick to use, and can be charged and used at any time. The class card, also known as the children's card, is suitable for children to pay for living expenses.

In general, the class account is all-round, no limit, both physical and virtual can be used, for ordinary people, a class card is enough, and it is easy to be idle if you do more.

Class account has the most complete functions, almost all functions are available, class accounts can save deposits, financial investment, limit consumption, limit payment, limit transfer out of funds, class accounts can only be small consumption, small payment, small amount transfer out, to transfer in person also need to be checked in person.

For example, the first type of account can send more than 10,000 yuan each time, and the second type of account can not exceed 10,000 yuan each time, and once it exceeds 10,000 yuan, the money will be returned.

Most of us now use a type of account, because this kind of account, the amount of money transferred per day is more than that of type 2 and 3. If it is a second-class account, the maximum daily transfer is 10,000, and there is no limit to the first-class account.

The bank's account refers to a full-featured bank settlement account, which can handle all financial services such as deposits, purchase of financial products such as wealth management products, cash withdrawal, transfer, consumption, and bill payment, with no limit.

Figuratively speaking, the Type I household is a "big cash cabinet", the main funds are on it, the security requirements are high, and there is no need to take it out every day.

Extended Information] 1The first type of card refers to an account opened over the counter of a traditional bank that meets all the strict requirements of the real-name system. Simply put, it's a debit card or a debit card. Its features include depositing, buying financial products, withdrawing cash, transferring, spending, and paying.

The second type of card is similar to a credit card, which is mainly responsible for large daily expenses, or financial management, investments, etc. The second type of households can handle deposits, purchase bank investment and wealth management products, consumer payment and other businesses.

The biggest difference from the first type of account is that the second type of account cannot deposit or withdraw cash, nor can it be transferred to an unconstrained account. At the same time, the daily limit for Class II bank card accounts is 10,000 yuan, and the annual limit is 200,000 yuan. Type 3 accounts are small** payment services, similar to WeChat wallets, and are suitable for high-frequency small mobile payments.

The third category of households is mainly used for small payments such as ** payment and offline mobile payment, and can process consumer payments. The biggest difference with the class of families is that the three types of families can only handle small consumption and payment, and cannot handle other businesses.

2.A bank card generally refers to a commonly used debit card, which can deposit and withdraw money, manage money, transfer money, pay, pay, etc., without limit on the amount. A bank card is a bank card.

There are two types of bank cards, one is a credit card and the other is a debit card, that is, an ID card can only be issued with one debit card and one credit card at the same bank. Bank cards include credit and debit cards. Bank cards are divided into RMB cards and foreign currency cards according to different currencies; According to the different objects of card issuance, it is divided into unit card (business card) and personal card; According to the different information carriers, they are divided into magnetic stripe cards and chip (IC) cards.

Credit cards are divided into credit cards and quasi-credit cards based on whether or not they deposit reserves with the issuing bank.

3.Restrictions on the issuance of credit cards A natural person can only open one Type I card account with one bank; The second-class card account can be handled for 5 cards, but in principle, the corresponding physical cards shall not exceed 4. In other words, you can only have one bank account with one bank, but you can have multiple Type I card accounts with different banks.

For example, Xiao Zhang has a Type I card account in Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of China, China Merchants Bank, and Bohai Bank, and a total of 5 Type I card accounts are allowed. In practice, some friends had many bank accounts in banks before the new regulations were introduced, all of which were fully functional. Under normal circumstances, the bank will not forcibly cancel all the functional bank cards that have been handled, but will first convert them into Class I cards, but cannot open new types of cards after cancellation.

The second type of bank account is a bank account that cannot deposit and withdraw cash, nor can it transfer money from an unbound account, and the daily payment limit of this type of account is 10,000 yuan. At present, the use of bank accounts for consumption payments, non-binding account fund transfers, and cash deposits and withdrawals are restricted, and the daily cumulative limit of the second type of account is 10,000 yuan, and the annual cumulative limit is 200,000 yuan. At present, people can open second-class commercial bank accounts through online banking, mobile banking, direct banking, smart teller machines, etc., without the need to go to the bank counter in person to handle it.

Extended Materials. What is the difference between a Type II bank account and a Type I account?

1. Function. The first type of account can handle deposits, transfers, consumption payments, purchase of investment and wealth management products, cash withdrawals and other businesses. The second type of account can handle deposits, purchase investment and wealth management products and other financial products, but cannot deposit or withdraw cash, nor can it transfer money to unbound accounts.

2. Limits. There is no limit to the scope and amount of the first type of account, but the daily payment limit of the account is 10,000 yuan.

3. The number of accounts that can be handled. A Type 1 market maker can only open one account, while a Type 2 account can open multiple accounts.

4. Physical card. The first type of account has a physical card, while the second type of account does not have a physical card.

5. Open channels. A type of account can be opened through autonomous machines such as counters and smart ATMs. The second type can be opened through electronic channels such as self-service machines, online banking, and mobile banking.

Each person can only apply for 4 savings cards in each bank, and only one type of account can be opened, and the other three can only handle type 2 or 3 accounts, that is to say, if the bank handles type 2 accounts, it can only handle up to 3.

1. The channels for opening accounts of the three types of personal bank accounts are distinguished.

Such accounts can be opened through electronic channels such as self-service machines (commercial bank staff do not verify identity information on the spot), online banking and mobile banking;

Such accounts can be opened through electronic channels such as self-service machines (commercial bank staff do not verify identity information on the spot), online banking and mobile banking;

The functions of the second and third types of personal bank accounts are distinguished.

The account is a full-featured bank settlement account, which meets the payment needs of direct banking and online wealth management products, while the account is mainly used for quick payment, such as "quick pass" and "password-free payment".

Accounts can be used for deposits, purchase of investment and wealth management products, transfers, consumption and payment, cash withdrawals and other businesses;

Class accounts can be used for deposits, purchase of investment and wealth management products, consumption of limited amounts, payment and other businesses; The cumulative payment amount in a single day shall not exceed 10,000 yuan;

Category accounts can be used to handle consumption and payment services for a limited amount; The account balance shall not exceed 1,000 yuan.

Bank personal accounts types I, II, III are 3 wallets with different amounts of funds. The differences are:

1. Category account refers to the account opened through the traditional bank counter that meets all the strict requirements of the real-name system, and is a full-featured bank settlement account with the highest security level. Simply put, it's the debit card you hold in your hand.

Or a debit card.

Its functions include deposits, purchase of wealth management products.

cash withdrawal, transfer, consumption, bill payment, etc.;

2. Class accounts cannot deposit or withdraw cash, nor can they transfer money to unbound accounts, and the daily payment limit of such accounts is 10,000 yuan, such as credit cards;

3. Class accounts are mainly used for quick payment.

For example, QuickPass password-free payment can only handle small-amount consumption and payment, and cannot handle other businesses, and the indoor balance does not exceed 1,000 yuan.

Neither class nor class account has a physical card. The limit of class and class accounts is mainly to effectively control the risk of customer funds. Unlike class accounts, which must be handled in person at the counter, class and class accounts can be opened online by "binding" class accounts.

Personal banking, i.e. bank card number. It is a bank card business applied for when an individual opens an account at the bank where the account is opened. This includes bank debit and credit cards. Each card has a corresponding card number, which is the bank. Personal banking has real-name authentication.

Function, when opening an account in an online virtual bank, the name and password must be consistent, otherwise the bank will not recognize it.

When an individual opens a deposit account at a financial institution, he or she shall provide a true and valid identity card.

documents, using the name on the ID card to open a bank account; Financial institutions are required to conduct examinations and registrations in accordance with the regulations to establish a system in which depositors have ownership of the deposits opened in the accounts. In principle, the opening of a personal deposit account by an account applicant shall be handled by the account opening applicant in person; If the conditions are met, it can be handled by others**. If another person opens a personal deposit account, the person shall present a valid identity card certificate of the person and the person being ** and a legal power of attorney.

The difference between a first-class bank card and a second-class bank card:

The biggest difference is that the two types cannot deposit or withdraw cash or transfer money to unbound accounts.

1.The class account is a full-featured account, with functions such as cash deposit and withdrawal, transfer, wealth management, and bill payment and payment.

The class card is equivalent to a wallet, and its main functions are savings deposits, investment and financial management, daily consumption, bill payment, etc. Type 2 accounts do not support cash deposits and withdrawals, nor do they support transfers to unbound accounts, and there is a limit on transfers from Type 2 bank card accounts.

2.The class account is a full-featured account, and the debit card we commonly use belongs to a type of account, which has the functions of depositing and withdrawing cash, transferring, financial management, and bill payment, payment, etc., and the class account is not limited by the amount when it is used. A type of account can only be opened for one account, which needs to be opened over the bank counter and is an account that requires a real-name system.

The class card is equivalent to a wallet, and its main functions are savings deposits, investment and financial management, daily consumption, bill payment, etc. The biggest difference between the second type of card and the first class of cards is that the second type of account does not support cash deposits and withdrawals, nor does it support transfers to non-bound accounts, and there is a limit on the transfer of bank card accounts of the second type, and you can transfer up to 10,000 yuan per day, if the user wants to transfer 20,000 yuan a day, then it is not possible, and it must take two days to complete the transfer of 20,000. The maximum transfer amount per year is 200,000.

Extended information] Many bank card users know that the current bank card personal payment account is divided into three types: Class I card, Class II card, and Class III card, and the consumption, transfer limit and authority of different accounts are different.

Three types of cards are in. Compared with the first and second types of cards, there are more restrictions, and the third type of card is like a change wallet, mainly used for quick payment, the balance in the three types of card accounts cannot exceed 1,000 yuan, the daily consumption amount cannot exceed 5,000 yuan, and the annual consumption amount cannot exceed 100,000 yuan.

This was all due to the country's intensified efforts to crack down on telecom fraud in 2016. Why it was launched.

The second and third types of these micropayment accounts are intended to allow customers to use these small-value accounts in daily consumption, especially when binding electronic quick payment. The limit of 10,000 yuan is enough to meet the daily consumption needs, once you encounter telecom fraud, or encounter accidents such as mobile phone viruses, the loss can also be controlled in a small range due to the limit of the limit.