The VIP card belongs exclusively to the cardholder and may not be lent or transferred.
In addition to the basic functions of deposit and withdrawal, transfer and consumption, VIP cards also have the following powerful financial functions:
Account management:
Under the main account of each currency of your VIP card, you can also open multiple sub-accounts, such as local and foreign currency current account, national debt account, lump-sum deposit and withdrawal account, fixed-term convenient account, education deposit account, notice deposit account, etc.
You can transfer my deposit slip or passbook opened at any business outlet of the issuing bank as a sub-account to your VIP card sub-account. We will take back your original deposit certificate and pay with VIP card and password. The value date and interest rate of the original account remain unchanged.
You can also move each sub-account out of the VIP card and manage it separately at any time according to your own needs. After the sub-account is deleted, we will provide you with a new certificate of deposit for the deleted account, and the value date and interest rate of the original account will remain unchanged.
Exit early:
If your VIP card has opened a lump-sum deposit and withdrawal sub-account, you can withdraw some funds from the sub-account in advance as needed; The part withdrawn in advance will bear interest for you at the current interest rate, and the part not withdrawn will still bear interest at the original interest rate. The sub-account of lump-sum deposit and withdrawal can only be withdrawn once in advance.
Zero deposit and lump sum withdrawal:
If your VIP card has a sub-account, you can transfer money to the sub-account regularly through the main account of the VIP card to complete the renewal of the sub-account.
Automatic reduction:
According to the time limit set by yourself, you can automatically convert the money in the RMB main account of VIP card that exceeds the agreed retention amount and reaches the minimum initial deposit amount into regular lump-sum deposit. Your retention amount shall not be less than 5000 yuan, and the minimum deposit amount shall be 2000 yuan or an integer multiple of 2000 yuan.
Automatic submission:
You can transfer the funds in RMB current account to the agreed account on the agreed contribution date every month according to your mortgage repayment, donation to relatives and other needs. The agreed account can be your other bank card, current passbook or other RMB current account under the VIP card of the same issuing bank.
Payment of expenses:
You can pay utilities, communication fees and taxes for you through the RMB current account specified in the VIP card.
Bank-securities transfer:
We can accept your entrustment to connect the RMB current account specified in the VIP card with your fund account in the securities company, and transfer the funds to each other according to your instructions, so as to facilitate your buying and selling of securities.
Bank transfer:
We can accept your entrustment to connect the RMB current account specified in the VIP card with your fund account in the futures brokerage company, and realize the real-time transfer of funds between the designated bank account and the futures fund account according to your instructions.
Treasury bond transaction:
You can buy and sell savings bonds and book-entry treasury bonds through VIP card accounts in outlets, online banking and other channels.
Fund transactions:
You can handle the subscription, subscription, redemption, dividend and inquiry of open-end funds through VIP card accounts in outlets, online banking and other channels.
Yinbaotong:
You can pay premiums, receive insurance dividends or settle claims through channels such as VIP card accounts at outlets.
Foreign exchange treasure:
You can buy and sell foreign exchange through VIP card foreign currency account in outlets, online banking and other channels.
Ben Mo Lifeng:
You can purchase "Benlifeng" RMB wealth management products at outlets and other channels through VIP card accounts. The product is supported by financial assets invested in the inter-bank bond market and the money market, and the investment targets are government bonds, policy financial bonds, central bank bills, stocks and so on. , sold to the public in RMB, the income is very high.
Hui Mo Lifeng:
You can purchase "Huilifeng" foreign exchange wealth management products through outlets such as VIP card accounts. Huilifeng is a personal foreign exchange wealth management product launched by Agricultural Bank of China, which guarantees the principal of customers and obtains higher income.