Do I need to open online banking when someone sends me money What are the precautions?

You don't need to open online banking, but if you do, you can pay attention to the following aspects.

Online banking has a variety of functions such as convenience, efficiency, and fashion, and has been favored by many customers. Since online banking is a new thing, there are still some places to be improved and improved, especially personal online banking, with the Internet as the carrier, security is the most concerned issue for the majority of users.

1. Keep the card number, password and personal customer certificate. The online banking registration card number and login password are the only signs for the bank to identify the customer's identity when the customer logs in to the online banking system, and inserting the personal customer certificate for electronic signature is a necessary condition for the successful completion of important transactions. Someone else obtains the card number, password and other relevant information, that is, they get the "key" to enter the online banking.

Therefore, customers must take good care of the login information and hardware certificates, and at the same time, do not set the login password and payment password to the same and change it frequently. Since the password of the individual client certificate is generally the initial password, the user should change the certificate password in a timely manner when obtaining the client certificate.

Second, it is necessary to install the anti-virus software of a regular software company, upgrade the virus database in a timely manner, regularly test the system, and immediately ask professionals to properly deal with problems in a timely manner, so as to effectively prevent "hackers" and viruses from invading and create a good environment for the use of online banking.

3. Pay attention to the system prompts during the use of online banking. Once you find that the login to the online banking system prompts the time of the previous login and the abnormal situation encountered in the transaction process, you should pay close attention to it, and carefully check your transaction in time, and if you find any doubts or abnormalities, you should deal with them properly in a timely manner, or ask professionals to help solve them.

While doing a good job in the "three wants", we must also achieve the "three don'ts".

1. Do not use online banking in public places (Internet cafes). Because you can't know if the computer in the Internet café is equipped with malicious monitoring programs to prevent the relevant information of personal online banking from being stolen.

2. Do not use the computer's automatic memory function. When a customer logs in to online banking for the first time, the browser may ask you if you remember these login information, so that the browser remembers your username and password, so it is not suitable for users to use this feature.

3. Don't close the window screen at will. After use, you should press the "Exit" button on the online banking operation page to log out of the system normally, and do not leave the computer before exiting the online banking service to prevent it from being used by others.

Recipients do not need to open online banking;

The beneficiary must provide correct and detailed bank account number, account name, bank name and other information to the remitter, and the remittance can be received within 24 hours (except holidays);

If your passbook is opened in ICBC, you can log in to the "Personal Internet Banking Passbook Version" to check the real-time balance of the passbook, which is convenient for checking the arrival of remittances, no registration is required, and it is free to use; ^_

No, you just need to tell the other party the card number, but be careful not to tell the other party the ID number and password.

1.Whether it is an inter-bank or an inter-bank, you can transfer money through a variety of methods, such as transferring money to another bank at the bank's ATM.

2.In addition, transfers can be made to other banks through various methods such as online banking, mobile banking, bank counters, etc.

1.Counter transfer at outlets:

The cardholder holds a bank card and ID card, goes to the counter of the bank business hall, submits a transfer application to the staff, provides the bank card number to be transferred to the account, and enters the password with the help of the staff to successfully transfer the money.

Machine transfer: Cardholders can insert their bank card into the ATM, follow the prompts on the interface, find the transfer operation, enter the bank card and amount to be transferred, and then transfer money.

3.Online Bank Transfer:

After activating the online banking service, the cardholder can log in to the personal online banking account and handle the transfer business at the online banking of the card issuer.

4.Third-party payment transfers:

Fill in the beneficiary's bank.

The purpose is to make the payment reach the other party's account faster and more accurately, eliminate the trouble of losing the payment due to non-remittance, and reduce the collection time.

Precautions. Get online banking from a regular bank branch.

** And remember to avoid using third-party channels such as search engines when logging in to online banking. Because some fake online banking** is likely to be hidden in the search results, once clicked in, it is likely to fall into the trap unknowingly.

2) Set a hybrid password and a dual password.

Online Banking. The password settings should not be related to personal data. It is recommended to choose a password with a mix of numbers and letters to make it more difficult to crack the password and keep it safe. The transaction password should be as different as possible from the credit card password.

3) Review transactions regularly.

Regularly check the online banking transfer and payment business records, or customize the account change notice through SMS to keep abreast of the account change.

4) Keep the digital certificate properly.

Avoid using online banking on public computers to prevent confidential information such as digital certificates from falling into the hands of others.

5) Email link alerts.

Online banking generally does not send out "system maintenance and upgrade" reminders via email. In the event of a major incident, the system will suspend the service, and the bank will notify the customer in advance. So when you receive similar emails, beware of fraud.

Once the data is found to be stolen, you should change the relevant transaction password or report the loss of the bank card.

This account can handle cash receipts and payments and daily transfer settlement. According to the regulations on the management of people's bank accounts, a unit can only choose one bank to apply for opening a basic deposit account.

To open a RMB Basic Deposit Account, one of the following supporting documents must be submitted to the bank for verification

The original copy of the "Enterprise Legal Person License" or "Business License" issued by the administrative department for industry and commerce and has passed the annual inspection;

** or approval from the local establishment committee, personnel, civil affairs and other departments;

Proof of the competent unit's consent to the opening of the account by the affiliated institution;

"Account Opening Permit" and "Account Opening Certificate" of the financial department of the military army or above and the Armed Police Corps;

Approval of the permanent establishment in the field by the competent department of the station.

In addition, if it is an enterprise legal person, it is also necessary to submit the "Enterprise ** Certificate" issued by the State Bureau of Technical Supervision.

Bank transfer needs to know:

the other party's card number; Bank of deposit;

Name; For inter-bank remittance, you also need to know the account opening outlets of the other party;

The sender will need to bring an ID card.

The remitter should bring his ID card and go to the bank to fill in a remittance form, and write clearly on the remittance form: the amount of remittance, the name of the beneficiary, and the account number of the beneficiary.

The bank will process the remittance after verifying that it is correct.

You need to know the other party's card number, opening bank, name, if it is an inter-bank remittance, you also need to know the other party's account opening outlets, after knowing this information, bring your ID card to the bank to fill in the remittance form and remit money.

The post office is divided into account remittance and address remittance, needless to say, as long as the other party has a postal savings account, you can directly transfer the money in, which is convenient and fast. Address remittance is divided into 3-5 days of ordinary remittance, the postman will deliver the remittance notice to the payee, and then pick it up at the designated post office with the notice; There is another kind of real-time remittance, after you go to the post office to complete the remittance, the salesman will give you a receipt, which has an 18-digit withdrawal password, you must contact the payee yourself, tell him this number to pick up at any local network post office, this kind of remittance post office will no longer notify the payee.

Account exchange rate: 5

Please note that you must bring valid documents such as ID card to collect the address remittance. Please keep the receipt for future inquiries before the other party receives the remittance.

There is no handling fee for account transfers.

It is okay to know the name and ID number, or you can know the other party's card number or, or you can mail it.