No matter which bank card is available, as long as it is convenient for you to use it. Bank cards are generally debit cards, with an annual card fee of 10 yuan and a small management fee. Generally, there is no such fee for deposits above 300 yuan, and some banks may be above 500 yuan. Postal savings bank, bank's wealth management card and VIP card have no annual card fee. As long as you have a bank card, you can open online banking. There is no requirement for online banking to spend once every few days, and there is no limit on the amount of consumption.

From a technical point of view, U shield is a tool for electronic signature and digital authentication of online banking. It has a built-in micro smart card processor, and uses 1024-bit asymmetric key algorithm to encrypt, decrypt and digitally sign online data to ensure the confidentiality, authenticity, integrity and non-repudiation of online transactions.

Use u shield

● The transaction is safer.

With U shield, you don't have to worry about hackers, fake websites, Trojan viruses and other risks. When you do online banking. U shield can ensure the safety of your online banking funds.

Customers who use login password and payment password need to protect your card number and password when handling online banking external payment business, ensure that the computer that logs in online banking is safe and reliable, update anti-virus software regularly, download patches in time, do not open unknown programs, games and emails casually, and maintain good online habits; If you can't do it at all, don't worry, using U shield is your best choice. As long as your login card number, login password, U shield and U shield password are not disclosed to one person at the same time, you can safely use online banking.

In addition to U shield, ICBC has also introduced a series of security measures: alias login (different from the custom login method of traditional account login), double password control of login password and payment password, and payment amount control to ensure customer safety; Identify and prevent counterfeit bank websites through website verification, website certificate verification (click on the "encryption lock" diagram at the lower right of ICBC website) and reserved information verification.

● Payment is more convenient. With U-Shield, you can easily transfer money, remit money, pay and shop online without being restricted by various payment quotas. ● More comprehensive functions

With U Shield, you can sign personal financial agreements through online banking and enjoy our unique financial services. ● More diversified services. With the U-Shield, you can also bind the U-Shield of ICBC to Alipay account, and use the U-Shield to authenticate the login to Alipay, thus ensuring the safety of your Alipay account.

In order to help netizens guard against online payment risks and promote the development of e-commerce industry, China Industrial and Commercial Bank cooperated with Alipay, a subsidiary of Alibaba, to launch a digital certificate sharing project. After the customer binds the ICBC U-Shield to Alipay account, he must insert the ICBC U-Shield and log in to Alipay before he can make payment, cash withdrawal and recharge. Customers can only query Alipay without using ICBC U shield. Therefore, Alipay customers only need to bind ICBC U shield. Even if the account number and password are accidentally leaked, as long as the ICBC U shield is in hand, the account funds can still be guaranteed to "sit back and relax". For online shopping, the bank only charges you the handling fee when transferring money, which is generally 1%, with the maximum 50 yuan cap. 100 yuan, 1 yuan.