2. The securities account only has the opening fee, and there is no management fee. Even if you transfer money from the bank to the stock account and don't buy or sell stocks, you won't lose a penny in a few years.
3. 1, unless you know your withdrawal password, you can transfer the money on the card to the stock account; 2. You must know your trading password before you can trade stocks; You must know your password before you can transfer money from your stock account to your bank card, and the bank card you transfer can only be your salary card.