If it is China Merchants Bank, online banking is divided into two types: "Personal Banking Public Edition" and "Personal Banking Professional Edition". The "Professional Edition" requires applying for a digital certificate. The professional version has all the functions of the public version, and based on this, it adds transfer plans, batch transfers and remittances and other services. It is more secure than the public version. You need to bring your ID card and all-in-one card to the counter to apply, and then go to the CMB homepage Download the client and use it.