You can establish a joint account of the * * * management account, and each account has a password. If the funds in this account need to flow, both passwords must be entered at the same time to be valid. A joint account refers to an individual local and foreign currency current settlement account or lump-sum time deposit account opened by two or more (less than five) individual customers * * *, with no restrictions on deposits.

Legal basis:

Law of People's Republic of China (PRC) on Commercial Banks Article 3 A commercial bank may engage in some or all of the following businesses:

(1) Absorbing public deposits;

(2) Short-term, medium-term and long-term loans;

(3) Handling domestic and international settlement;

(4) Handling bill acceptance and discount;

(5) Issuing financial bonds.

(6) Acting as an agent to issue, honor and underwrite government bonds;

(7) buying and selling government bonds and financial bonds;

(eight) engaged in interbank lending;

(9) Acting as an agent for buying and selling foreign exchange;

(ten) engaged in bank card business;

(eleven) to provide letter of credit services and guarantees;

(12) Agency payment and insurance agency business;

(thirteen) to provide safe deposit box services;

(14) Other businesses approved by the State Council Banking Regulatory Authority.

The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval.

With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business.