1. Persons aged 18 to 60 years old shall apply for bank cards at the local postal savings office with their ID cards. Note: when handling bank cards, others cannot replace them. Postal savings bank card must be at least 16.
Specific age requirements for handling banking business:
/kloc-under 0/6 years old, you need a guardian to accompany you to the bank with your ID card and household registration book.
At least 16 years old, you can apply for a bank card with your ID card;
At least 18 years old, you can open online banking;
At least 18 years old and meeting other conditions stipulated by the bank, you can apply for a credit card.
To open online banking, you must carry your ID card with you. If you are under 16, your guardian must bring your ID card and household registration book. If you open an account and apply for a card, you can 16 years old.
2. Customer service telephone number: 95580.
3. China Postal Savings Bank was formally established on March 20th, 2007. It is a commercial bank established on the basis of the reform of postal savings management system.
There are several cards for postal savings:
1. Ordinary green card: current deposit, withdrawal, transfer, ATM withdrawal, POS consumption and online banking;
2. Green card card: In addition to the functions of ordinary green cards, there are also deposits, deposits and withdrawals, and you can also handle secondary cards; ;
3. Co-branded card: it is convenient to bind Alipay and Fortune to charge Q coins online;
4. Credit card: For overdraft consumption, you need to bring your ID card to the business window (agency is not allowed) and deposit at least 10 yuan. Except for credit cards, there is no annual fee, but if the average daily balance is less than 100 yuan, a small management fee will be charged (standard quarterly 3 yuan).
The deposit methods of fixed deposit include lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, principal deposit and withdrawal and lump-sum deposit and withdrawal.
1. lump-sum deposit and withdrawal: it is a time deposit in which the customer chooses the deposit period, lump-sum deposit and withdrawal, and the principal and interest are withdrawn at maturity.
2. Withdrawal by installment: If the customer needs to gradually accumulate the monthly balance, he can choose the deposit method of "withdrawal by installment". Lump sum deposit and withdrawal refers to the fixed deposit with an agreed amount, which is deposited monthly according to the agreed amount and the principal and interest are withdrawn at maturity.
3. Deposit withdrawal interest: If customers have money that they don't need to use within a certain period of time, they only need to withdraw interest regularly for daily expenses, and customers can choose the method of "deposit withdrawal interest" as their regular savings deposit. "Deposit with interest" is a kind of time deposit, in which the principal is deposited in one lump sum, the interest is withdrawn in installments, and the principal is withdrawn at maturity.
4. Lump-sum deposit and withdrawal: If a customer has a large monetary income and needs to withdraw it by stages within a certain period of time, he can choose "lump-sum deposit and withdrawal" as his own savings deposit method. The "lump sum deposit and withdrawal" business is a fixed deposit with a pre-agreed term, lump sum deposit and withdrawal, withdrawal of principal by installments and withdrawal of interest at maturity.
The regular interest rate of the postal bank is:
1. The term is three months and the interest rate is 1.35%.
2. The term is six months and the interest rate is 1.56%.
3. The term is one year and the interest rate is 1.78%.
4. The term is two years and the interest rate is 2.25%.
5. The term is three to five years, and the interest rate is 2.75%.