You cannot open online banking with a passbook. You must use a bank card. If the passbook is for deposits and withdrawals, you only need to take your ID card and passbook and go to the counter of an ICBC branch in the same city to apply for one that is bound to the passbook. A bank card will do.

If you have not applied for the professional version, you can go to the China Merchants Bank homepage to check the passbook information.

Required. Loan conditions for mortgage loans: Have a legal identity; have stable economic income, the ability to repay the principal and interest of the loan, no bad credit record; and have a legal and valid house purchase contract.

Extended information:

Passbooks generally cannot be used for online banking, only bank cards can be used for online banking.

No one else can handle online banking with your ID card. According to the relevant regulations of major banks, there are the following methods to activate online banking:

1. Online activation:

Log in to the bank website and click "Register" under personal online banking;

Generally there will be "Online self-service registration instructions". After reading the registration instructions, click "Register for Personal Online Banking";

Fill in the registration card account number, password, verification code, and submit;

Then follow the prompts.

Note: Online self-registration online banking does not have a payment function and can only query account information.

2. Processing at the counter:

Bring your bank card and ID card to the local branch of the card-issuing bank to sign a contract and activate online banking;

Fill in the application form for activating online banking , submit materials;

Enter personal information, bind your mobile phone, and the staff will assist you in activating it.

Note: When you open online banking, the online payment function will be activated at the same time. If the bank card has financial management functions, you can also sign a contract to activate the online financial management functions.

To sum up, I can handle it myself online and cannot let others do it for me. Please check with your local bank.

Baidu Encyclopedia-Online Banking