The second type of electronic account can be used for personal daily credit card consumption, online shopping, online payment and bank investment and wealth management products. The second type of electronic account is characterized by its convenience and relatively small amount of funds. Class II accounts can handle multiple accounts and can be opened through electronic channels, such as self-service POS machines (no need for commercial bank staff to verify identity information on site), online banking, mobile banking, etc.

The second type of electronic account income transaction type: transfer funds from unbound accounts, cash deposits and payment on behalf of others. And bank vouchers and bank transfers (securities for banks). The second type of electronic account expenditure transaction types: consumption, payment, transfer of funds to unbound accounts, withdrawal of cash and withholding. As well as inter-bank certificates and inter-bank securities transfers.