Legal analysis: Bring the individual business license, organization code certificate, tax registration certificate, the operator's identity card and other documents to the local bank counter to apply for it. The main purpose of opening a unit bank settlement account is to differentiate the management of operating funds from the individual's own funds. The bank's public business includes corporate e-banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund clearing, intermediary business, asset promotion, fund trusteeship and so on.

Legal Basis: "Measures for the Administration of Bank Card Business" Article 4 Commercial banks shall, on the basis of negotiation and mutual benefit, carry out information *** enjoy, merchant *** enjoy, machine *** enjoy and other types of joint bank card business. Article 24 Commercial banks handling bank card acquiring business shall charge merchants settlement handling fees in accordance with the following standards: (1) hotel, catering, entertainment, tourism and other industries shall not be less than 2% of the transaction amount; (2) other industries shall not be less than 1% of the transaction amount. Article 28 Individuals applying for bank cards (except stored value cards) shall provide the card-issuing bank with their own valid identity documents as prescribed by the public security department, and the card-issuing bank shall open a bearer account for them after examination and qualification; Any unit that has opened a basic deposit account with a financial institution in China shall apply for a unit card with the account opening license issued by the People's Bank of China; the bank card and its account shall be limited to the cardholder approved by the card-issuing bank for its own use, and shall not be rented or lent out. The card and its account are restricted to the cardholder approved by the issuing bank for his own use, and shall not be rented or lent.