(1) China citizens who live in China and are over the age of 16 need to use the following documents to open an account: 1. China people's ID cards and Chinese resident ID cards, 2. Temporary resident ID card and residence booklet cannot be used as proof of account opening.

(2) China citizens who live in China and are under the age of 16 need a guardian to open an account at the counter of our bank, and present a valid ID card of the guardian and a "resident ID card or household registration book of the account user". "Resident ID card or household registration book of the household registration user" refers to the real-name registration system registration certificate of the household registration user. If the ward's household registration book is issued when opening an account, the household registration book can also prove the guardianship relationship. When opening an account, if the identity card of the ward resident is issued, it is also necessary to issue a certificate that can prove the guardianship relationship, such as a household registration book or other certificates related to the guardianship relationship.

There is no handling fee for applying for a smart card. At present, there is no annual fee for our smart cards (except smart cards), but there is an account management fee (the account management fee is charged monthly). Take the ordinary card account of Beijing Branch as an example: the average monthly total assets in our bank are less than 654.38+00000 yuan (the assets on the last day of each month are not included in the average monthly total assets for the time being), and the account management fee of 1 yuan is charged for each card. Above 1 000 yuan, free of charge. Due to the different charging standards of branches and card types in different cities, it is recommended that you log on to "Online Customer Service" for detailed consultation (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), thank you for your attention and support to China Merchants Bank!