(1) The business personnel shall require the applicant to provide his/her valid identification, fill in the application for opening an account for a customer (referring to a new customer, the same below) or an account, sign it for confirmation, and sign an account service agreement.

(2) If the account opening applicant is not a resident of China, residents and non-residents shall be distinguished according to the nationality (region) of the account opening applicant, and entered into the core system to realize classified inquiry and management of bank accounts of non-China residents. China citizens who have settled abroad and whose nationality is still China shall provide proof documents (such as foreign permanent residence permit, returned overseas Chinese card or other documents that can show the identity of overseas Chinese, etc.). ).

(3) Where the counter accepts an application for opening an individual settlement account, the agency may open a first, second or third class account for the applicant.

(4) In order to meet the needs of multiple account opening applicants to manage RMB funds, banks can open individual joint deposit accounts for qualified account opening applicants.

(5) When opening an account, you need to set the withdrawal method, which mainly includes: password, no requirement (deposit certificate, account without password) and signature (seal).

2. Open a personal settlement account through non-counter channels:

(1) self-service machine account opening.

(2) Open an account through electronic channels.

(three) to provide personal settlement and account opening services through self-service machines and electronic channels, the account opening applicant can only handle it with the resident ID card.

(4) Where a Class II account is opened through electronic channels, a Class I account with the same name as the account opening applicant (hereinafter referred to as a bound account, except for credit cards) shall be used as one of the means to verify the identity information of the account opening applicant, and it shall be confirmed that the owner of the bound account is the account opening applicant himself, and the name and account number of the bound account are consistent with the information provided by the account opening applicant.

3. Acting to open a personal bank account

(1) In principle, the account opening applicant shall handle personal bank account or other personal bank account business; Those who meet the conditions can be handled by others.

(2) Handling of special circumstances:

1) When an account applicant opens a personal bank account for special purposes such as paying wages, education, social security (such as social security, medical insurance and military insurance) and public * * * management (such as public * * undertakings, demolition, donation and agricultural assistance), it can be handled by the unit to which it belongs. Where a unit opens a bank account in the name of an individual, it shall provide the unit certification materials and the electronic image or copy of the client's valid identity certificate.

2) Applicants with no or limited capacity for civil conduct shall be handled by legal agents or personnel designated by the people's courts and relevant departments according to law.

3) For the account owner who can't go to the bank in person due to serious illness, mobility inconvenience and inability to take care of himself, the handling agency can handle the business of reporting the loss, resetting the password and canceling the account. Take the way of on-site service, or handle it by spouse, parents or adult children with legal power of attorney, proof of the relationship between the agent and the principal, and proof of special circumstances issued by community neighborhood committees (village committees) or hospitals at or above the county level.

4. If a personal settlement account is opened in the form of a personal check, the applicant for opening the account must go to our bank in person, and no one else may handle it (except as otherwise provided by laws and regulations).

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.