"Financial Account" has three account functions: deposit account, loan account and investment account, which can meet various financial needs of customers.
1. deposit accounts: deposit accounts include basic account and general deposit accounts.
(1) basic account
① basic account is a current savings account with multiple currencies (RMB, USD, HKD, GBP, EUR, JPY, Swiss franc, Canadian dollar, Australian dollar and Singapore dollar), which has all the functions of a current savings account.
② When the "wealth management account" card is used for ATM withdrawal, automatic deposit machine deposit, POS consumption, payment of annual fee of wealth management account and other service charges, all the funds in basic account are used for liquidation.
(2) General deposit account
① General deposit accounts include all kinds of savings deposit accounts opened by the Bank, such as current account, lump-sum deposit and withdrawal account, fixed deposit and withdrawal account, interest-bearing deposit account, notice deposit account, etc.
② Apart from RMB deposits, general deposit accounts can also handle up to nine kinds of foreign currency savings deposits, namely: US dollars, Hong Kong dollars, British pounds, euros, Japanese yen, Swiss francs, Canadian dollars, Australian dollars and Singapore dollars.
2. Loan account
(1) The loan account in "wealth management account" can meet the needs of customers to apply for multiple personal loans with one account, and provide convenient and unified personal loan application, issuance, balance inquiry and repayment business functions.
(2) Customers can apply to the bank at any time for various personal consumption loans that the Bank has offered, including personal automobile consumption loans, personal comprehensive consumption loans, personal small short-term credit loans and personal pledge loans.
(3) When handling personal consumption loans, "wealth management account" customers can enjoy many VIP services, such as priority handling, priority approval, and sending loan business statements on demand.
(4) Customers of "wealth management account" can apply for loans from banks by means of comprehensive credit. With this form of loan, customers enter the green and convenient loan channel of the bank and enjoy various personal loan facilities.
3. Investment account: The investment accounts in the "wealth management account" include fund accounts such as funds, bonds, gold and insurance, and related investment accounts. Customers can buy and sell related funds, bonds, gold and "bank-insurance" business.
Customers can open new general deposit accounts, loan accounts and investment accounts in the "wealth management account", or transfer such accounts already opened in the bank to the "wealth management account" to enjoy the convenience of "one household for multiple purposes".
Second, a convenient and clear reconciliation tool
Financial account is a brand-new paperless electronic account. In order to make it easier for customers to know the changes of funds in this account, the bank has specially compiled the "Reconciliation Account Book of Financial Account" and the "Comprehensive Monthly Statement of Financial Account".
1. Account book reconciliation
(1) As a VIP customer of the bank's "financial account", the bank will give away a "financial account reconciliation account book" for free.
(2) Customers can take the "Financial Account Reconciliation Account Book" to any business outlet of the bank for printing at any time, so as to know the changes of funds in the account in time.
2. Comprehensive monthly statement
(1) "Comprehensive Monthly Report of Wealth Management Account" is a detailed, comprehensive and clear report on the financial status of wealth management account, including: the balance of basic account, personal deposits, personal loans, personal investments and other accounts in the wealth management account, a detailed list of the amount incurred item by item, and financial information announcements such as bank's recent recommendation of wealth management products.
(2) The customer can agree on the sending method, time interval, sending address and other information of the "Comprehensive Monthly Statement of Wealth Management Account", and can contact the account manager to flexibly change the above information according to actual needs. The bank will deliver the "comprehensive monthly statement of wealth management account" to customers accurately and timely.
Third, a practical and appropriate financial management agreement
The wealth management services provided by ICBC for "wealth management account" customers include: regular cycle transfer, agreed amount transfer, interest-free overdraft of basic account "wealth management account" card on the same day, regular business handling, regular purchase of funds (bonds), provision of various financial information, interest rate and other risk change tips, and issuance of credit certificates. Customers only need to fill in the Application Form for Financial Agreement and apply for relevant services at all financial outlets of our bank, and then they can sign the financial agreement and get the corresponding financial services.
Four. Enjoy value-added VIP service.
Through our "wealth management account", customers can enjoy the following distinguished treatment and a series of value-added services specially provided by our bank:
1. "One-on-one" customer satisfaction financial advisor is our eternal pursuit. The bank provides one-to-one professional and unique personalized financial design and services for "financial account" users, and the account manager of the bank will introduce the application and use of various service channels and characteristic products to customers. If the customer has any problems in financial management, he can directly inform the account manager, and the account manager will wholeheartedly solve the problems for the customer.
2. Tailor-made financial management plan: We will use unique, advanced and scientific professional financial management methods to analyze the assets and liabilities of individuals or families in detail, accurately calculate financial revenues and expenditures, and provide customers with phased financial management plans to help customers better plan their lives and maximize their life value.
3. Give priority to business: All customers with "wealth management accounts" are our VIP customers, and we will save our customers' precious time through exclusive services. Banks have specially prepared VIP rooms or VIP windows for VIP customers, which can give priority to all kinds of business and enjoy superior financial management space.
4. Reduction and exemption of various fees: customers of "wealth management account" can enjoy various premium concessions provided by banks, such as reduction and exemption of fees for transfer and remittance business, loss reporting fees for various accounts, issuance of deposit certificates and a series of measures.
5. Flexible and convenient wealth management gold card: Through our 24-hour self-service banking service, you can use the "wealth management account" to deposit and withdraw money and transfer money flexibly, independently, conveniently and quickly at any time on various self-service devices provided by our bank.
6. Travel around China easily: The "wealth management account" is a VIP card issued by banks all over the country. No matter where customers open a "wealth management account", they can enjoy the unified VIP treatment of China Industrial and Commercial Bank's "wealth management account" at the local branch, showing their dignity.
5. Electronic service beyond time and space: customers can call our financial service hotline "95588" to log in to our telephone banking system and handle various financial services through self-help or business representative guidance; Or log in to the online banking system of the bank to handle various financial services through computers and mobile phones with Internet access.
Six, all-weather self-service:
1. The bank's ATMs can provide customers with various services, such as withdrawing money from basic account in the "wealth management account" and transferring money from basic account to general current accounts and credit card accounts.
2. Customers can query various account information, account balance, account transaction details, etc. Through the bank's multimedia terminal in the "wealth management account", you can handle the self-service payment and return of personal pledged loans in the "wealth management account", realize the real-time payment of personal loans, and inquire about loan return information and other services.
3. With the bank's automatic deposit machine, customers can avoid the inconvenience of having to deposit money during bank business hours, and easily use the automatic deposit machine (in the 24-hour self-service bank) to deposit money into the "wealth management account" at any time.
Attachment: "Financial Account" Preferential Standard (implemented from June 65438+February 65438 +0, 2002)
The charging standard for ordinary customers of the project is "financial account". The charging standard for customers is 10 yuan/transaction, accounting for 0.8% of the collection amount. Free remittance through train 1%. Up to 50% discount for each traveler's check business in 50 yuan, 0.2% free of deposit voucher fee, 20 yuan/free of entrusted deposit transfer, 20 yuan/free of financial advice, 200 yuan/65,438+000 yuan/comprehensive monthly statement, mailed to 5 yuan/free of charge to provide other preferential services according to customers' needs, peony credit card and peony international card are opened, and basic account can provide various new financial products (government bonds, funds, etc.) free of deposit. ) interest-free overdraft on the same day, providing financial information consulting services.
Important note:
1. You can enjoy the current preferential services after opening a "wealth management account".
2. If the charging standard is adjusted, we will inform you in time and implement the new charging standard.
3. The preferential service of "wealth management account" is the exclusive right of VIP customers. If your average daily deposit and loan balance within one year cannot maintain the minimum standard when opening an account, we will charge the annual account service fee (300 yuan/year) according to the standard.