(1) Centralized account management, with one card for multiple purposes.
With a wealth management account, customers do not need to hold multiple passbooks and cards, but only need one wealth management account card to handle various banking services such as local and foreign currency deposit, investment, loan, payment, transfer and remittance. Life is simpler from now on. Customers can also flexibly manage various accounts under your name through wealth management accounts to meet various wealth management needs.
(2) Personalized automatic transfer, saving time and worry.
ICBC provides customers with a variety of personalized automatic transfer services, which frees them from the tedious daily accounting and enjoys more wealth freedom. These autopay services include: regular payment, balance replenishment, starting point trigger, regular automatic payment and automatic repayment by credit card.
(3) Fixed-active communication
For customers' large short-term funds, they can be automatically deposited into the notice deposit by handling the "accumulated interest deposit plan", and the principal and interest of the notice deposit will automatically roll over within eight or two days. Customers can not only get higher notice deposit interest rate, but also withdraw their deposits at any time.
At the same time, we can also customize the transfer cycle and deposit term of notice deposits according to actual needs, and help customers convert notice deposits into time deposits.
(4) Reserve Fund Services
China Industrial and Commercial Bank provides "petty cash" interest-free overdraft service for your valued customers. Customers can get an overdraft limit equivalent to the balance of time deposits in the wealth management account card. When the funds in the current account in the customer's wealth management account card are insufficient, you can withdraw cash or spend or transfer money on the same day, and there is no interest, thus avoiding the interest loss caused by withdrawing time deposits in advance.
(5) Joint account
Considering the needs of joint account management between customers and relatives and friends, ICBC has specially provided joint accounts for customers with wealth management accounts to realize the joint management, use and accumulation of funds.
A joint account is jointly opened by two or more (less than five) individual customers, and the deposit is not restricted. The withdrawal must be carried out in a mutually agreed manner. The currency can be RMB or foreign currency, and the account type can be personal current settlement account or lump-sum time account.
[6] Bank account
ICBC launched a bank account for customers with wealth management accounts. After opening a bank account, customers can centrally display and manage their ICBC accounts (bank cards/passbooks/certificates of deposit) distributed in various regions of the country through the wealth management account card, so as to easily realize the transfer of funds between registered accounts and meet the national demand for mutual transfer of funds.
Customers can also fully grasp the distribution and capital status of your ICBC account all over the country, and maximize wealth appreciation with the help of account managers.
(7) Comprehensive reconciliation service
Account reconciliation account book: when a customer opens a "wealth management account", there can be an account reconciliation account book, which will record the details of the customer's account business in detail. Customers can print at the counters of local outlets or self-service devices such as supplementary folding machines at any time, so as to keep abreast of the changes in account funds.
Comprehensive monthly statement: ICBC provides monthly statement service for customers, so that customers can fully grasp their comprehensive assets on a regular basis.
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