A large number of inefficient or invalid small accounts that have been idle for a long time not only greatly waste social resources, but also increase the operating costs of banks and reduce service efficiency. Therefore, we suggest that you merge or cancel those RMB small demand deposit accounts that have not been used for a long time and are rarely used, and provide you with various channels for account cancellation, such as counter, online banking and telephone banking.
Characteristics and advantages
If you take the initiative to merge or cancel those small accounts that have not been used for a long time and are rarely used, it will bring you at least two benefits. First, you can avoid the trouble of multiple bankbooks and multiple bank cards. Second, it can activate the fund balance of those long-term accounts, remit small money into considerable funds, and effectively improve the efficiency of fund use. For ICBC, if those small accounts that have not been used for a long time and are rarely used are merged, a lot of computer system resources can be saved, maintenance costs can be directly reduced, computer operation efficiency can be improved, and service efficiency and level can be improved.
ICBC fully considers the requirements of serving customers and facilitating customers, improves work efficiency as much as possible in terms of business processes and business processing, and provides you with multiple channels to merge small demand deposit accounts, helping you manage your bank accounts efficiently and reasonably, collecting small funds that have been idle for a long time, and improving the efficiency of our computer system, thus providing you with better services.
Service channel
Business outlets, "Finance @ Home" personal online banking, passbook version of personal online banking, and telephone banking.
☆ Operation steps
1. If the balance of your smart card and E-Times card is lower than that of 300 yuan (inclusive), and the card has registered online banking, please use the certificate version of online banking to cancel the account, as follows: Check the process >>
2. If the balance of your RMB personal current passbook account is lower than that of 300 yuan (inclusive), please use the online bank passbook version to close the account, as follows: inquiry process >>
3. use telephone banking to close the account, as follows: check the process >>
4. You can also bring your passbook and card to the local ICBC business outlets to cancel your account.
☆ prompt
1. If you lose your small account password, please report it in time. When reporting the loss, you must hold valid identification documents, including ID card, passport, household registration book, military officer's card, police officer's card, soldier's card, family visit card, temporary id card, etc. Before June 20, 2006, go to our business outlets to report the loss of a small RMB demand deposit account, free of loss reporting fees.
2. We provide the following 1 1 accounts that need not be merged or cancelled. Please carefully check the purpose of each account to ensure that the merged or cancelled account does not belong to the listed 1 1 account.
(1) current account in the wealth management account;
(2) peony traffic card account;
(3) a deposit account used to repay personal loans;
(4) Multi-currency comprehensive accounts with balance in foreign currency accounts (local and foreign currency all-in-one, peony international debit card, foreign exchange trading account, etc.). );
(5) Peony Credit Card, Peony Credit Card and Peony International Credit Card account;
(6) Opening a minimum deposit account;
(7) social security deposit accounts (pension accounts and pension insurance, unemployment insurance, medical insurance accounts);
(8) Accounts for purchasing open-end funds and RMB wealth management products, book-entry treasury accounts, bank-insurance accounts, bank-securities accounts and bank-securities transfer accounts;
(9) Wage accounts and accounts for bulk withholding of water, electricity, gas, telephone and other expenses;
(10) Housing accumulation fund account;
(1 1) Personal online banking electronic card account. These are also accounts that will not charge account service fees for the time being.
Please carefully check the balance and transaction details before closing the small account. After account cancellation, China Industrial and Commercial Bank will no longer provide account information inquiry service.
4. The small account cancellation business takes effect immediately, and the corresponding discount/card becomes invalid immediately. After account cancellation, the passbook/card cannot handle any business. You should destroy the passbook/card in time, otherwise all the consequences will be borne by the customer.
5. You are not allowed to cancel RMB accounts such as Peony Credit Card, Credit Card, International Card, Personal Consumer Credit Repayment Account, Bank-Securities Connect and Bank-Securities Transfer Account, Provident Fund Account, Peony Traffic Card Account, Wealth Management Account, and E-Card of Online Banking through electronic banking channels.
6. To cancel a small account through e-banking, you can designate your RMB current account, wealth management account, smart card, credit card, debit card and international card opened in our bank as the account balance to be transferred to. If the transfer-in account is a remote account, our bank will charge the corresponding transaction fee according to the charging standard of personal remittance in different places.
7. Precautions for online banking
(1) You can use the passbook version of personal online banking to close your small account without any formalities.
(2) Register "Finance @ Home" personal online banking, and you can use the certificate version of personal online banking to cancel your small account.
(3) Using the online account cancellation function of small account, China Industrial and Commercial Bank uses the customer's card number (passbook account number), password or customer certificate as the identification of the customer's valid identity, and takes the electronic transaction instruction issued by the customer accordingly as the legal and valid basis for online account cancellation of small account.
(4) If the balance of RMB deposit in your account exceeds the 300 yuan limit set by our bank, you can transfer the remaining funds to other accounts through online bank transfer and remittance, and then close the account.
(5) If there are other current accounts, credit cards and fixed accounts in your small account, you are not allowed to use the online account closing function to close your account. You can use the online banking function to delete the account, delete the card and account, and then close the account.
8. Precautions for Telephone Banking
(1) To use the small account cancellation function of telephone banking, you need to register at ICBC outlets or become a telephone banking customer of ICBC.
(2) If your registered account has an associated account, you can't use telephone banking to cancel your registered account, and you need to go to ICBC outlets to handle it.
(3) If your account balance exceeds the 300 yuan limit, you can't close your account through telephone banking, and you need to close your account at the business outlets of ICBC.
2. peony card e era can be swiped to refuel.
3.3. In the e era of Peony Link Card, you can transfer money by bank card.
4.4. Peony smart card E era, the card is damaged and needs to be replaced with a new card. After the new card is replaced, the electronic password card can still be used. That won't affect online banking, so you can use it at ease.