How to open the same bank account: Applicants for the same bank account must provide valid identity documents of all account holders, and joint account applicants must provide financial management funds accounts that have been opened in the region. Come to the counter at a business outlet to apply for a joint account. In addition, applicants must jointly fill in the "Personal Joint Account Application Form", agree on relevant business methods, and sign the "Personal Joint Account Management Agreement."
1. Guidelines for the use of bank accounts with the same name
1. Change: The owner of the joint account must bring his or her valid identity document, bank card and card password to the joint account. You can open an account at any branch.
2. Inquiry: Customers can make account inquiries through ICBC branch counters, self-service terminals, telephone banking, online banking, mobile banking and other channels.
3. Deposit: All joint account owners shall handle the deposit separately according to the ordinary deposit procedures with the joint account card and password.
4. Withdrawal: When handling joint account withdrawal, it is divided into simultaneous handling method and authorization handling method.
5. All joint account owners can use their joint account cards and passwords to withdraw funds, which can only be done locally.
6. The authorized person of the joint account can handle the withdrawal business independently within the agreed maximum cumulative withdrawal limit with the joint account card and password. This can be done in different places.
2. The difference between escrow accounts, mansion accounts and joint accounts
1. Escrow accounts are also called third-party supervision. Mainly used for real estate transactions. It means that the transaction funds between buyers and sellers do not go directly through the brokerage company, but are transferred by the real estate administrative department in conjunction with the bank and an institution with guarantee qualifications to open a fund supervision "special account" in the bank. This account belongs to the bank. When the buyer transfers the ownership within the specified period, the funds will be transferred to the original owner's account, otherwise they will be transferred to the buyer's account. Therefore, fund supervision requires both the buyer and the seller to open accounts in the supervising bank. The bank is the supervisor of funds. main body, thereby ensuring the security of transaction funds for buyers and sellers and safeguarding the rights and interests of buyers and sellers. Similar to payment platforms such as online trading platforms such as Alipay and Tenpay.
2.***Managed account application procedures
(1) The applicant is a natural person in China, including Chinese citizens, foreigners in China, and compatriots from Hong Kong, Macao and Taiwan, and has** *A group of 2-5 (inclusive) people who manage financial needs.
(2) When applying, all co-signers of the account must go to CCB branches. Please have the original and copy of your ID card ready.
(3) Read the content of the agreement and fill out the "Application Form for Opening a Joint Personal Deposit Account of China Construction Bank". Each co-signer must sign. When filling out the form, you need to identify the lead person. The person in charge should keep the "Card Application Receipt" for card collection.
(4) The account leader will collect the card on the designated date (usually 7 days) with his or her valid ID and "card application receipt".
3. A joint account refers to a personal current account in local and foreign currencies opened by two or more (less than five) individual customers***. Deposits are not restricted and withdrawals must be handled in accordance with the agreed method. Settlement account or lump sum time savings deposit account.