简体中文 | ENGLISH


Online Banking

 
 

Home Banking

 
 


Home Banking Transaction Rules of Bank of China Limited


 

Article 1 The customers who have opened the Great Wall Electronic Debit Cards with the banking outlets of Bank of China (“BOC”) may open the BOC home banking service through the self-registration or by the means designated by BOC. Those registered customers for home banking shall transact the home banking service in accordance with these Rules.

Article 2 Inquiry Version, Transaction Version and VIP Version services are available for the BOC home banking, where, the former can provide account information inquiry, and the latter two provide customers with service functions including account information inquiry, financial IC card, transfer and remittance, credit cards, bill payment, investment & wealth management, TV payment and UnionPay inter-bank payment without card. BOC will provide different service functions based on the service modes applied by the customers and the identity verification methods, and the BOC home banking will continue to update itself in order to offer different services and products to meet the changing financial service needs of customers.

In case that a customer has opened the BOC online banking or mobile banking service prior to his/her application for the BOC home banking service, the version for home banking shall be the same with that for online banking or mobile banking. That is, the online banking inquiry version, transaction version and VIP version shall correspond to the home banking inquiry version, transaction version and VIP version, respectively.

Article 3 Currently, the BOC home banking is just available in Zhejiang, Henan, Hunan, Yunnan, Jiangsu, Guangdong, Anhui and Xinjiang (it will be expanded to the other regions based on the business development). The BOC home banking provides around-the-clock services, but specific service items have different beginning and expiration time each day, so that the customers shall transact during the time of availability. Any transaction order received after daily expiration time of each specific service item will be deemed to be served and processed on the next banking day.

Article 4 The home banking transaction version and VIP version customers shall logon by using the identity verification tools (or the “security verification tools”) for transfer, payment and investment. The customers may conduct such operations as inquiry and transfer with respect to their linked accounts through the home banking user ID, login password and identity verification tool. All the transactions made using the customers’ home banking user ID, login password and identity verification tool shall be deemed done by them. When the customers use the home banking services, the customers’ home banking user ID, login password and identity verification tool shall replace the inquiry and withdrawal passwords of all their linked accounts. The first-time user of the BOC home banking shall be attentive to:

1. Currently, the customers may apply for opening the home banking by two means, namely, self-registration and counter-based registration. The customers who have not opened the BOC online or mobile banking can only open the home banking inquiry version through self-registration, and the customers who have opened the BOC online or mobile banking shall have their home banking versions opened through self-registration consistent with those of their online or mobile banking. For self-opening of the home banking service, the customers shall carefully read these Rules and relevant customer instructions and then enter into the service agreement with BOC. BOC will open the home banking service for customers after validating the verification information including the customer’s identity certificate information, phone banking password of registered card/account and e-Token. The customers shall properly keep important information like user ID, login password and e-Token and shall not provide or disclose such information to the others.

2. The reserved information on the login page of home banking for the customers who have applied for opening the BOC online banking service is the reserved welcome message of online banking. The customers shall timely confirm whether the reserved information of home banking is consistent with that of online banking. Given unopened online banking service, the customers shall set their reserved welcome message in the menu of “Personal Preference”.

Article 5 When the customers have opened the online or mobile banking, the linked accounts of online or mobile banking shall automatically become those of home banking; if the customers need to unlink the home banking account, they may unlink via online, mobile or home banking. The unlinking operation via any channel shall become effective in any other channel synchronously.

Article 6 The customers shall enter the login password to log onto the home banking and choose to enter the e-Token or not. The transaction version customers may have access to the home banking inquiry version services without entering the e-Token.

Article 7 The identity verification tools for home banking used by personal customers shall be the same with those for online banking, that is, the online banking and home banking share one e-Token.

Article 8 To use the BOC home banking service, the customers shall ensure the safety and confidentiality of the passwords and identity verification tools used by them. They shall be attentive to the following matters including but without limitation to:

1. Not write down the password in a clear-text form or disclose it by other means;

2. Not divulge the password to anyone else including the BOC staff (the BOC staff are unable to and need not know such password for provision of all the services relating to home banking to the customers);

3. Timely destroy the record on password after the first-time use of the home banking service;

4. Not use the password easy to guess or crack (e.g. birthday, telephone number or other personal information or group of regular figures/letters) or relevant to a third party (e.g. identical to that of email);

5. Not record the password in any software holding passwords automatically (e.g. hint window for “Saving Password” displayed on any mobile phone screen or any similar function in the WAP browser);

6. Change the password in an regular or irregular way, avoid the rotation of two passwords;

7. Not tell own information like e-Token and BOC SMS Code to others;

8. Avoid transmitting the home banking password via SMS or email;

9. Do not answer or believe any strange call, SMS and online transaction information or make any transfer or remittance. For any doubt, please immediately call the BOC customer service hotline or 110 for consultation and reporting, to avoid frauds.

Article 9 The expiration of E-Token will lead to transaction failure. Therefore, customer shall bear the validity period of e-Token in mind and lodge an application on renewing them to the Bank three months before such expiration.

Article 10 Where a customer enters wrong user ID or password for five consecutive times a day, BOC will temporarily lock up his/her home banking account on the day and the system will unlock the account automatically on the next day or the Bank will unlock it after authenticating his/her identity on the current day; where a customer fails to authenticate his/her user ID or password for 15 consecutive times accumulatively, BOC will freeze his/her transaction qualification, and the customer shall recover the forgotten user ID or reset the password at the counter of a banking outlet with his/her valid certificate and any linked account for home banking. The customer may continue handling counter-based transactions when his/her qualification for home banking transactions is frozen.

Where a customer enters wrong e-Token for five consecutive times a day, BOC will temporarily lock up his/her e-Token on the day and the system will unlock the account automatically on the next day or the Bank will unlock it after authenticating his/her identity on the current day; where a customer fails to authenticate his/her e-Token for 15 consecutive times accumulatively, BOC will suspend the functions of this security verification tool, and the customer shall unlock it or apply for a new tool at the counter of a banking outlet with his/her valid certificate and the locked verification tool.

Article 11 The uniform limits set by the system are different based on different verification methods of customers’ identities. The customers may set the self-trading limits less than the uniform limits by the system through the setting function in the home banking services. The existing uniform limits (in RMB) by the system are specified below:

Scope of Services to the Personal Home Banking Transaction Version Customers and Setting of Limits

Transaction

Verification Tool

Single Limit (RMB Yuan)

Daily Add-up (RMB Yuan)

Transfer to linked accounts

e-Token

100,000

100,000

Transfer & remittance to designated BOC account

e-Token

50,000

50,000

Remittance to designated domestic inter-bank account

e-Token

50,000

50,000

Repayment for designated unlinked credit card

e-Token

50,000

50,000

Agent bill payment

e-Token

50,000

100,000

TV payment

e-Token

1000

1000

Fund trading

e-Token

100,000

 

Book-entry T-bond trading

e-Token

100,000

 

Recharging to own e-cash account

e-Token

5,000

5,000

Recharging to other’s e-cash account

e-Token

5,000

5,000

Non-card payment

e-Token

 

50,000

Scope of Services to the Personal Home Banking VIP Version Customers and Setting of Limits

Transaction

Verification Tool

Single Limit (RMB Yuan)

Daily Add-up (RMB Yuan)

Transfer to linked accounts

e-Token

100,000

100,000

Transfer & remittance to designated BOC account

e-Token

50,000

50,000

Remittance to designated domestic inter-bank account

e-Token

50,000

50,000

Repayment for unlinked credit card

e-Token

50,000

50,000

Agent bill payment

e-Token

50,000

50,000

TV payment

e-Token

1000

1000

Fund trading

e-Token

500,000

 

Book-entry T-bond trading

e-Token

500,000

 

Recharging to own e-cash account

e-Token

5,000

5,000

Recharging to other’s e-cash account

e-Token

5,000

5,000

Non-card payment

e-Token

 

50,000

Notes:

1. The TV payment limits shall be set under the aforesaid limits depending on merchant ands card types (debit card, Great Wall card and BOC card, etc.) and be subject to the announcements by relevant merchants.

2. The bill payment limits shall be set under the aforesaid limits depending on bill payment types available in the branches. See the announcements by local branches or system reminders for details.

Article 12 BOC provides customers with the reserved information validation service to help them effectively identify phony home banking. The customers are advised to timely set or check the reserved information upon the first-time use of the home banking service, and not disclose such reserved information to the inquiries by anyone else, other websites, telephone or SMS except handling business with BOC.

Article 13 The customers shall pay for using the BOC home banking services based on relevant charging standard published by BOC. Except otherwise agreed, BOC will deduct relevant service fees from the customers’ registered accounts for home banking and deduct transfer & remittance fees from their transferred-out accounts.

Article 14 The customers shall abide by applicable transaction rules and regulations of the management institutions during the operation of specific functions including bill payment for local services and TV payment via the home banking channel, enter into supplementary agreements with the BOC home banking upon the first-time use of those transactions and make verification via the e-Token.

Article 15 BOC will publish an announcement in advance to remind its customers before updating of the website or home banking system. Customers shall use other channels of BOC such as counter service, online banking and phone banking to complete the transactions, in case the home banking service is suspended due to service upgrade or is not available as a result of force majeure.

Article 16 In accordance with the national provisions and regulatory requirements, BOC will regularly check the applicability of these Rules, update it out of the business and technology development needs on a timely basis, and make prior announcement by suitable means. Please regularly read these Rules. The BOC home banking service users shall comply with these Rules.

Article 17 BOC will make prior announcement with respect to its system upgrading, business change or charging modification, or any amendment to these Rules according to business development needs, and it will not inform the customers individually. For any dissent, the customers have the right to cancel relevant home banking services. The customers are deemed to agree with and accept such amendment or change if they do not cancel or continue to accept relevant services. The amended or modified businesses or Rules will prevail.

Note: “Announcement” herein is made in the banking outlets and portal website (http://www.boc.cn) of BOC.

  [ Close Window ]
Personal Banking Login
Personal Banking(VIP) Login
Corporate Banking Login



   Online Banking
   Mobile Banking
   Global Web Site
   Home Banking



 
  Site Map | Contact Us | Term & Conditions | Copyright | 京ICP证 060399
 
Copyright © BANK OF CHINA(BOC) All Rights Reserved.