There is no charge for electronic accounts without physical cards, but only for second-class accounts with physical cards. Electronic accounts can only be opened on the basis of L-type accounts and belong to virtual electronic accounts. After opening an electronic account, we can easily handle business settlement through electronic channels. This electronic account name can be your bank account number, or you can set your own account number. After the opening of electronic account, it has most functions of debit card and can realize comprehensive account management. Debit cards, credit cards and savings cards can be registered under the electronic account.
What do you mean by class I card and class II card?
The second card is mainly responsible for daily expenses, or financial management and investment. The funds of Class II households come from Class I households, including accounts opened in Internet banks such as direct selling banks and Weizhong banks. Type II households can deposit money, buy bank investment and wealth management products, and pay consumption expenses. However, the biggest difference with Class I accounts is that Class II accounts cannot access cash or transfer money to unbound accounts. At the same time, the daily transfer limit of the second-class bank card account is 6.5438+0 million yuan, and the annual transfer limit is 200,000 yuan.
II. Bank account opening channels:
1, Class I households can be opened through self-service machines such as counters, remote video ATMs and smart ATMs (identity information needs to be verified by commercial bank staff on site);
2. Class II households can be opened through self-service machines (the staff of commercial banks have not verified their identity information on site), online banking, mobile banking and other electronic channels;
3. Class III households can be opened through self-service machines (identity information of commercial bank staff has not been verified on site), online banking and mobile banking.
Class II bank card is equivalent to a wallet, and its main functions are savings deposit, investment and financial management, daily consumption and payment.
Class II card has no physical card and is a virtual account. Class II cards are funded by Class I cards. The biggest difference between Class II card and Class I card is that Class II account does not support cash deposit and withdrawal, nor does it support transfer to unbound account.