Generally, records within five years can be found in the bank's running water. According to the relevant provisions of Article 29 of the Measures for the Administration of Customer Identification, Customer Identity Data and Transaction Records of Financial Institutions, bank transaction records shall be kept for at least five years from the transaction bookkeeping year. The state stipulates that it should be kept for at least five years. If it exceeds five years, some banks may no longer keep it.

However, different query channels can query the time of bank running water, and different banks have different regulations on the number of years of bank running water query. Take Bank of China as an example:

Debit card: online banking can query the transaction details within 5 years at the longest, and the starting and ending period of each query should not exceed 6 months; On the counter, the longest running water record can only be found for 3 years.

Credit card: online banking can use the credit card number to check the bills for up to 3 months, and mobile banking can check the bills for 12 months. At the counter, you can check the details of the latest 12 bill and the outstanding bill.

Bank running water refers to the deposit and withdrawal transaction record of bank current account, which is a kind of proof material to prove the income of individuals or companies, and also a necessary material to apply for loans. Its non-tampering enhances the effectiveness as a verification material; At the same time, historical transaction records can echo many credit materials, which further enhances the importance of bank flow in the credit approval process.

Bank flow is a record of deposit and withdrawal transactions in bank current accounts (including current passbook and bank card). According to the nature of the account, it can be divided into personal running water and enterprise running water. Ordinary office workers are personal running water, while small and medium-sized business owners and self-employed people are public running water. Bank running water Bank running water can be printed at the bank counter or the ATM in the bank lobby. When printing at the bank counter, you need to carry a bank card or passbook and a second-generation ID card to print the bank flow.

The role of bank journal:

Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

Many people are not familiar with bank diaries. Although it is not a necessary condition for all loans, it can well reflect your personal repayment ability from one aspect. In some banks and financial institutions, users who apply for loans will be required to provide bank journals of income accounts for more than 3-6 months. If not, it is likely to be rejected.