Tips 1。 It is suggested to contact the handling bank in advance to confirm whether other supporting documents are needed; 2. The same person can only open a Class I account (excluding credit cards) in the same bank. If he has already opened a Class I account and then opens a new account, he shall open a Class II account or a Class III account. The total number of households in Category I, II and III shall not exceed 4.
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Children's bank cards are/kloc-the bank cards of children under the age of 0/6. These bank cards usually have no overdraft limit or the overdraft limit is very small, which requires the prior consent of parents. There are also strict restrictions on credit card consumption, but all kinds of functions are complete, which can be understood as adult bank cards with reduced limits.
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/kloc-children under the age of 0/6 can open their own accounts in five major banks with their household registration books and valid certificates from their guardians. Among them, ICBC, Bank of China, Bank of Communications and other banks have launched special cards for children.
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Compared with the ordinary debit card account, the special card for children appears to have a single service function. Children's special cards of ICBC, Bank of China and Bank of Communications can realize basic service functions such as deposit and withdrawal, consumption and transfer of general debit cards.
The three banks have different restrictions on payment, online banking, wealth management and other functions, and the specific situation is not the same. Among them, if the ICBC Baby Growth Card is opened and an exclusive financial agreement is signed, the bank can provide account management functions such as automatic transfer of excess quota, account change reminder and monthly consumption quota setting. However, children's cards do not support functions such as purchasing wealth management and fund fixed investment. , and you can't enable online banking.
The "Great Wall Youth Card" of China Bank for young students under 65,438+06 (discontinued on June 2065,438+06) has added the functions of one card, multiple accounts and remittance collection, and this card also does not support bank financing and fixed investment.
Bank of Communications "Pacific Children Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors themselves cannot handle this business alone.
All major banks except ICBC, China Communications and Bank of Communications indicated that there were no children's cards before 20 12, but minors under 16 can open ordinary bank cards with their household registration books, valid identity documents of guardians and guardianship certificates. [ 1-2]
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The discount for children's exclusive card service is very limited, and even some banks have no discount at all. Among them, ICBC exempts 16-year-old "Baby Growth Card" cardholders from the annual fee and account opening fee, but if the average daily balance of the account is less than 300 yuan, it will also charge a small account management fee according to 3 yuan/quarter. In addition, ICBC also gives parents1children under the age of 6 a discount of free transfer and remittance fees.
China Bank's "Great Wall Flower Season Card" has no annual fee reduction. Banks, like ordinary card accounts, charge an annual fee of 10 yuan/card and a small account management fee under the corresponding conditions.
The "Pacific Children's Card" of Bank of Communications has given a "limited" discount, and those who newly open a special card for children can enjoy free work fee and annual fee for the first year. From the second year, each card will be charged an annual fee of 10 yuan. The small account management fee of Bank of Communications is only for passbook customers, and all bank card customers do not charge this fee.
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Children's Card is a children's financial card launched by Minsheng Bank nationwide. The card has specially prepared financial package products suitable for children and families, including education savings, smart financial products and growth financial products.
This card has the function of debit card, and you can also choose additional products, such as "current savings+instant messaging with parents' account information", so that parents can keep abreast of their children's consumption trends. Education savings are aimed at students above the fourth grade of primary school, so that parents can prepare their children for college in advance. Qian Shengqian Plan B is a value-added wealth management product aimed at young people's short-term and large educational funds. From the date of deposit, interest will be settled automatically every day (the shortest day) according to the call deposit interest rate of the corresponding currency, and the principal and interest of the previous interest settlement date will be automatically transferred to the next interest period, with compound interest, which can be withdrawn at any time. The initial application amount is 50,000 yuan. [3]
Baby Growth Card is a theme card specially designed by China Industrial and Commercial Bank for underage customers under 16 and their parents. The card is issued in the form of baby card+father card+mother card. In addition to the general debit card function, the card also has special functions such as growth fund, growth guarantee, growth commemoration and gratitude return. For example, parents can regularly deposit funds from the father's love card and the mother's love card into the baby card to provide pocket money and education funds for their children. At the same time, the handling fee for settlement between the baby card and the father's love card and the mother's love card is exempted. At the same time, with this card, you can also enjoy the exclusive children's education insurance product-Taiping Happy Baby Comprehensive Financial Plan, and on this basis, you can enjoy pediatric expert appointments, health messages, emergency rescue services at home and abroad, and personal accident insurance for children with Baby Growth Card. [4]
Pacific Children's Debit Card is an exclusive personalized debit card launched by Bank of Communications for children under the age of 16. This card not only has the function of debit card, but also integrates services and functions according to children's needs, so that children can safely start a colorful financial experience. The application for the Pacific Children's Card is simple. The guardian shall handle it at any branch of Bank of Communications with his valid ID card, child ID card or household register, and the lineal relatives certificate of household register, birth certificate or one-child certificate between them. [5]
The Happy Partner Card of China Merchants Bank is a standard one-card debit card for children under 16. The Happy Partner Card can establish a parent-child relationship with one of the parents' smart cards. After successful establishment, both parties can realize mutual transfer of RMB current account funds between the two cards through the popular parent-child transfer interface and self-service inquiry terminal. After the parent-child relationship is established between the parent-child smart card and the happy partner card, parents can make a pocket money savings plan for their children, that is, we are required to automatically transfer money from the current account of the smart card to the current account, lump-sum deposit and withdrawal account, lump-sum deposit and withdrawal account or education savings account of the happy partner card within a specified period of time. After registering as a user, children and parents with cards can have parent-child interaction in the magic intelligence component. Magic wisdom has set different roles according to parents and children, including wishing pool, bookkeeping book and magic bean house. [6]
The Great Wall Flower Season Card is a debit card specially designed by Bank of China for teenagers aged 10- 16. The Great Wall Flower Season Card is based on personal settlement account. In addition, it can also be associated with multiple accounts such as general current account, current all-in-one account, term all-in-one account, lump-sum deposit and withdrawal, deposit and withdrawal, personal check, credit card, etc., so as to realize the transfer between related accounts and avoid the inconvenience and risk of carrying multiple passbooks.
Everbright Bank's "Little Banker Card" is a UnionPay standard debit card mainly issued for children under the age of 16. In addition to all the functions of a debit card, the card also integrates services and functions specifically aimed at "parent-child" education, financial education and children's personalized needs, providing children with a rich financial experience suitable for their characteristics.
The small banker card has a number of personalized functions, such as "parent-child card association" function, which can establish parent-child association with any parent's Everbright Sunshine card and realize the mutual transfer of RMB current account funds between the two cards; Another example is the "pocket money/lucky money savings plan". Parents can associate or guide their children to make their own savings plans through parent-child cards, and can customize personalized target names for each savings plan through online banking. In addition, it is also a public welfare card. Every time a "little banker card" is opened, the children put one yuan into the donation box, and then China Everbright Bank puts another yuan into it. Every valid donation can be automatically transferred to the China Women's Federation's "Mother's Water Pit" fund account, which helps to cultivate children's love consciousness.