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Great Wall ChinaRen Card


 

Name

Great Wall ChinaRen Card

Introduction

With constant progress made in cooperation with the Ministry of Education in terms of state-subsidized student loans and key universities, Bank of China enjoys increasing popularity among college faculties and students. In order to tap potential personal financial customers from the above group and facilitate the development of personal financial business, Bank of China head office issued the Great Wall ChinaRen card in cooperation with the alumni website ChinaRen.com under SOHU. Linking to multiple deposit accounts, the card enables intra-city and inter-city withdrawal and payment in networked areas. Customers can handle transactions such as cash withdrawal, balance inquiry, password changing through Bank of China's networked ATMs and make payments at its appointed partners. Customers can also carry out deposit, withdrawal and inquiry at Bank of China's outlets.

Functions

1. One card linking multiple accounts

The Great Wall ChinaRen card can be linked to multiple accounts in multiple currencies including common current account, all-in-one current account and all-in-one time account so as to get rid of the inconvenience and risk incurred from carrying many passbooks around.

2. ATM service

Customers can handle various transactions such as cash withdrawal, deposit (on CRSs), account transfer and balance inquiry on ATMs at Bank of China's networked outlets at any time. Customers can also handle cash withdrawal, inquiry and other transactions on ATMs bearing the UnionPay logo at home and abroad without being subject to service hour restraints.

3. Card payment

With the card and the preset password, customers can make payment for consumption by swiping card at the bank's appointed partners and merchants with "UnionPay" logo (shopping malls, hotels and entertainment venues) home and abroad without handling fee, With this card, customers can save a lot of trouble of carrying cash.

4. Telephone banking and online banking

Customers may apply for Bank of China's telephone banking and online banking services to be kept informed of account dynamics, pay utilities fees at any time and learn about the latest information on exchange rate and interest rate for easy wealth management.

5. Investment and wealth management

With Great Wall ChinaRen card, customers can easily handle various kinds of financial investment transactions such as book-entry T-bonds, open-end fund, Forex Facility, bank-securities transfer and so on, which will facilitate overall management and transfer of funds, thus enabling maintenance and increment of the value of personal assets.

6. Agency salary payment and agency collection & disbursement

Besides agency salary payment service for enterprises and public institutions, Bank of China delivers bill-payment services to individual customers with regard to utilities fees for water, electricity, gas, fixed telephone and mobile phone.

Procedure

Focusing on customers of Bank of China and ChinaRen, the Great Wall ChinaRen card enhances its competitiveness by serving the customers with resources of both sides. As a member of Great Wall debit card series issued under Bank of China's customer segmentation strategy, the Great Wall ChinaRen card is targeted at youngsters, college students and graduates who are major members of ChinaRen. The card is now mainly marketed to students of the universities and colleges covered by the state-subsidized student loan program (The card is also available to other customers meeting the application qualifications).

Any Chinese residents with valid identity documents may apply for and get the card at any outlets of Bank of China. Besides, for safety and convenience, customers are recommended to open telephone banking at the same time.

Charges

1. Card issuance fee will be charged according to the standard rate released on the application day. In case of replacement of the missing card, loss reporting fees will be charged according to the applicable rate.

Annual fees will be charged at the standard rate released in that year.

2. No fees will be charged for deposit or withdrawal over the counters or at ATMs of Bank of China in the deposit city. For deposit and withdrawal outside the deposit city (including Hong Kong and Macau), fees will be charged according to the applicable standard rate.

3. For cash withdrawal on other banks' ATMs with "UnionPay" logo, inter-bank handling fees will be charged according to the applicable rate.

No handling fee will be charged for card payment at any places.

4. The card is valid in China only (including the networked ATMs and merchants in Hong Kong and Macau)

Tips

1. For account safety, customers are recommended to reset the password at Bank of China's ATMs upon getting the new card and guard against shoulder surfing and theft during usage.

2. With the card and password, customers can withdraw cash on ATMs with a maximum accumulative amount of RMB 20,000. Without overdraft function, the card has no payment limit at the bank's appointed partners.

3. In case of card or password loss, customers should go through formal loss reporting procedure with their valid identity documents at the issuing bank.After the specified loss reporting period, customers can apply for a new card or password reset. Customers may request suspension of the lost card via telephone banking or at any outlet of Bank of China in special circumstances, but must begin the formal loss reporting procedure at the issuing bank within the next five days.

4. For card or password loss reporting and card replacement, fees for handling and card issuance will be charged according to the applicable standard rate.

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