Is it right to say that the expired personal customer service certificate of Bank of China can only be handled through the counter?

The answer is: "Bank of China reminds us that the validity period of your ID card kept in China Bank has expired. In order to avoid affecting the normal handling of your business, please update it through the mobile banking APP of Bank of China, the' BOC Kexintong' WeChat applet as soon as possible, or go to the outlet of Bank of China with valid identity documents. Now log in to mobile banking to participate in Fuzai Cloud travel activities, and have the opportunity to get 3-5 yuan phone bills. For details, please consult 95566 China Bank. " Recently, customer Xiao Wang received a short message from China Bank. It turned out that her identity document had expired for more than 90 days, and the bank sent her an update reminder.

Will the expiration of identity documents affect the use of personal bank accounts? It is reported that in terms of the "validity period" of identity cards, according to the "People's Republic of China (PRC) National Identity Card Law", residents aged 16 to 25 are issued with identity cards with the validity period of 10 year; From the age of twenty-six to forty-five, a resident identity card with a validity period of twenty years shall be issued; Those over 46 years old will be issued with long-term valid identity cards. In terms of financial institutions' services, according to the Measures for the Administration of Customer Identification, Customer Identity Data and Transaction Records of Financial Institutions, financial institutions should take continuous customer identification measures during the business relationship with customers. If the identity certificate or identity certificate previously submitted by the customer has expired, and the customer fails to update it within a reasonable period of time without giving a reasonable reason, the financial institution shall stop handling business for the customer.

It is understood that in practice, most banks give the same answer. If the personal identity document expires, it needs to be updated within 90 days, otherwise some business will be restricted. Until then, the account can still be used normally.

Banks provide users with many channels to update information, and the operation is very convenient, which can realize real-time update: First, self-service through mobile banking. Mobile banking in all banks has the related function of "certificate validity maintenance", and users can update it in time, and the whole process can be completed in less than 1 minute. Take Bank of China as an example, click My → Settings → Security Center → Personal Information, and upload the validity period of the renewal certificate. The second is to go to the business outlets and tell the tellers to update their demands. The third is to apply on the WeChat side. Some banks, such as Bank of China, have developed WeChat applets, which can be processed immediately.

In addition, what if the user's new identity document is still being processed, or for other reasons, it cannot be provided within the validity period, or it cannot be updated? In these cases, you can call the customer service phone of the bank (for example, China Bank can call 95566) to apply for the grace period, which will not affect the normal use of the current account. (Han Wei)