Log in to your online bank for certificate renewal 15 days before the expiration date. If it needs to be replaced upon expiration, you can renew your certificate in online banking fifteen days before the expiration, or you can bring your registered account and valid ID card to the outlet to reprint the password envelope. Only when the certificate is updated fifteen days before its expiration can the validity of the certificate be effectively extended, and it is invalid to update the certificate at other times. If the certificate expires, it must be reissued. I don't know which bank you use, but there should be little difference.