What information does an individual need to open an account in a bank?

Individuals who go to the bank to apply for cards can be divided into credit cards and savings cards.

1. To apply for a credit card, you need to bring your valid personal identification, work certificate (social security certificate can be provided), salary certificate (bank statement) and personal assets (such as real estate license);

2. To apply for a savings card, you need to bring your valid personal identification to the bank's business outlets.

Withdrawal, inquiry, password modification, etc. On the national networked savings ATM. Transfer money for consumption on POS terminal in our city. Deposits and withdrawals are made at savings offices connected to the national network, and deposits are made at ATMs (the specific time will be notified separately).

Savings ATM service

Savings ATM is a service means and tool provided by savings for depositors, and it is also a self-service bank for depositors to realize self-service. It is the crystallization of modern communication technology, computer technology and banking services. Can provide depositors with deposit and withdrawal, account inquiry, personal password modification and other functions.

Savings POS business

Savings POS business: it is a consumer service tool provided by savings to promote the realization of electronic money, reduce cash circulation and reduce the labor intensity of merchants. In shopping malls, hotels, entertainment places and public service places where POS terminals have been installed in the bank card network, savings card users can use accounts instead of cash, and the amount of consumption and payment by users is not limited, and there is no handling fee.

But the account can't be overdrawn. In addition, Savings also launched mobile phone payment service and telephone wallet payment service, which is easy and flexible, and it is convenient to pay anytime and anywhere 24 hours a day.

The specific charging standards vary from bank to bank:

Industrial and Commercial Bank of China: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and the bank in the same city withdraws 2 yuan/transaction;

Agricultural Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, which is lower than that of 3 yuan/quarter. 300 yuan's small account management fee is charged, and the bank in the same city withdraws 2 yuan/transaction;

China Construction Bank: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan;

Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, and the small account management fee is not charged, and the same city withdraws money in 4 yuan/pen;

Bank of Communications: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee in 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/pen;

China Postal Savings Bank: It is free to apply for a card, and you can withdraw money from 2 yuan/transaction in the same city. Most provinces and cities do not charge annual fees and small account management fees;

China Minsheng Bank: card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city are free every month, and then 2 yuan/pen;

Everbright Bank: It is free to apply for a card, no annual fee, no small account management fee, and the first three withdrawals in the same city every month are free, and then 2 yuan/pen;

China CITIC Bank: Card handling is free, with no annual fee and small account management fee. The first two withdrawals in the same city are free every month, and then 2 yuan/transaction;

Huaxia Bank: it is free to apply for a card, no annual fee, no small account management fee, and it is free to withdraw money before 1 in the same city every day, and then 2 yuan/pen;

Shanghai Pudong Development Bank: It is free to apply for a card, and there is no annual fee. 2 yuan/bank withdrawal in the same city, account management fee 12 yuan/year. If the balance in the account is always above 1 1,000 yuan, or the POS card is swiped during the year, it will be exempted;

Industrial Bank: card handling is free, no annual fee, no small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/pen;

China Merchants Bank: It is free to apply for a card, and there is no annual fee. Bank withdrawals/transactions in the same city of 2 yuan. Account management fee: if the assets of the same customer in the bank are less than 10000 yuan, 1-5 yuan/month.