1. If you are in a small or medium-sized city, it is recommended to choose debit cards from state-owned commercial banks (such as ICBC, ABC, CCB and BOC). ), many outlets, many self-service devices (including ATMs and deposit machines), and convenient access.
2. If you are in rural areas or towns, it is recommended to use bank cards such as agricultural cooperatives and postal savings. Postal services are free all year round.
3. If you are in a big city, you can also choose some cards of joint-stock banks, such as China Merchants Bank, Minsheng Bank and Shanghai Pudong Development Bank. Generally, it is only set in big cities, and it may be inconvenient to use it in small and medium-sized cities.
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For students at school, bank cards have become an extra economic burden, because each bank card you run needs to pay a certain fee every year. If you open the SMS notification service, you also need to pay a certain fee every month. Choosing the right bank card depends on your situation. If your family is in the countryside, you can choose the Postal Savings Bank. If your home is in the urban area, you can choose CCB or ICBC. All banks charge an annual fee for their bank cards. All bank cards that handle off-site transfer and inter-bank transfer at the counter will be charged a handling fee.
The handling fees of Bank of Communications and Agricultural Bank are slightly lower. In online banking transactions, there is no handling fee for transferring money in different places within the Agricultural Bank of China through online banking. Other banks also charge. No matter which bank branch is near the school, there are too many people The bank card issued by the bank to the cardholder has no credit limit, and the cardholder deposits first before using it. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound to mobile payment software.