Today, a big wave of bank card regulations will affect your wallet!

ZA.

ZAKERcaijing· 2016-12-01 15:18:22

everyone has a number of bank accounts, regardless of the amount of money, they are the same level of risk. But from tomorrow on, your bank account will have these changes!

1, a person in a bank can only have a debit card before the provisions of the people's Bank of

: since December 1st, open a personal account in the bank, each in the same bank, can only open a class, if you already have a class I households, account is only class II and III account. Class= img_box "

(1) what is the I class, class II, class III accounts?

said, I account is fully functional account, common debit card, passbook accounts belong to the class; class II and III account is a virtual electronic account, two kinds of function is decreasing step by step in the creation of existing accounts based on

class I, also by decreasing the level of risk capital account. The main differences are as follows:

 
 

" (source: People's daily)

(2) how to use I, II and III account?

class I will account as "Treasury"

class account functions, the inflow and outflow of funds unlimited. Can be used as wage account or personal wealth master account , mainly for large consumption, large capital flows, savings deposits and investment banking. I do not need to carry a class account, but also reduce the risk of loss caused by the card.

class II account as the "wallet"

II account investment functions, can be transferred to the capital from class I to the account, no cumulative transfer limits, both to meet the daily use of , and avoid large financial losses.

will III account as "zero wallet"

III account is mainly used for small high-frequency trading, account balance does not exceed 1000 yuan, for binding and daily payment account, small high-frequency trading (such as the payment of two-dimensional code, NFC mobile phone payment etc.). Can be used with the charge, convenient and safe.

2, cancel the remote peer deposit, transfer fee of

according to the notice, from December 1st onwards, the Bank of the bank in the remote access and transfer business, collection of different fees, shall be free to achieve within 3 months of the date of promulgation of the circular.

3, the ATM transfers can go back to

from December 1st onwards, individuals through the ATM transfer, in issuing bank acceptance within 24 hours after, individuals can apply for revocation of the transfer to the issuing bank. This means that the public can apply for revocation of ATM transfers within 24 hours after.

4", the non counter channel transfer pen number, amount to

contract refers to the non counter channels transfer through online banking, mobile phone banking, telephone banking, third party payment channels such as remittance business website.

from December 1st onwards, in the bank if you require the opening of non counter channel transfer business, the bank staff will let you come up with an agreement signed, agreed in the future in these channels when the transfer of daily cumulative limit number and cumulative limit, etc.. So, if you often visit Taobao or WeChat scan code to pay, then at the time of signing you need to leave a heart, the best according to the usual trading habits, for the number of agreed limits and his pen, or once the limit of number or exceed the standard, the future remittance business you need to go to the bank counter.

12 months to come, a big wave of new regulations on the bank card to bring a lot of convenience to our life, but also may cause a large number of idle credit card, Xiaobian recommend the best on their own initiative to bank branches for cancellation, involving credit card, also can call the credit card center phone cancellation.

attached to the central bank notification address: http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/3154362/index.html

ZAKER finance and economics editor Tang Jiaxin

The lastest articles of ZAKERcaijing
ZA.

Vanke equity Dispute Review: Wang Shi in the end what has gone through

ZA.

Vanke equity Dispute Review: Wang Shi in the end what has gone through

ZA.

2016 lost money in the stock market, this year can earn back

ZA.

2016 lost money in the stock market this year, have confidence to earn back

ZA.

"Black swan" flying over the sky? Do you have confidence in the stock market...

ZA.

"Black swan" flying over the sky? Do you have confidence in the stock market...

ZA.

"Black swan" flying over the sky? Do you have confidence in the stock market...

ZA.

"Black swan" flying over the sky? Do you have confidence in the stock market...

ZA.

How many music APP do you have for the beans?

ZA.

Guangzhou: the main new economic short plate

Rec News