Name
Walking bank
Introduction
Walking bank is a settlement portfolio product that customers use the exclusive vouchers in non-account opening banks within the system of Bank of China, to handle the business of bank draft issuance, agency collection and payment by transfer, remittance, consignment collection, agency collection and payment in cash.
Features
1. Customers enjoy the same service in non-account opening bank as in account opening bank;
2. The exclusive voucher can be used for applying for various businesses.
Scope of Application
It is applicable to entity customers when they handle various payment settlements in intra-province non-account opening bank of China. At present, the product is available in Bank of China's Guangdong branch.
Scope of Business
Issue of bank drafts
Agency collection and payment by transfer
Remittance
Consignment collection
Agency collection in cash
Agency payment in cash
Application Qualifications
1. The customer applying for walking bank shall have a good credit standing without any adverse record, and comply with the starting point of the monthly average deposit which Bank of China’s local branch requires;
2. Customers shall sign service agreement with Bank of China.
Process
1. Agency collection in cash
(1) The customer selects the intra-province branch of Bank of China that is authorized to offer the business;
(2) The handling bank receives cash and charges fee from the customer;
(3) The handling bank gives the voucher and financial invoices to the customer.
2. Agency payment in cash
(1) The customer fills out walking bank payment voucher, sign it and then submit it to the intra-province branch that is authorized to offer the business;
(2) After confirming it by checking carefully, the handling bank will pay cash to customers, and give one page of the walking bank payment voucher and the voucher to the customer.
3. Agency payment by transfer
(1) The customer fills out walking bank payment voucher, sign it and then submit it to the intra-province branch that is authorized to offer the business. The branch transfers the payment to the payee's settlement account which can be deposited and withdrawn within the province;
(2) After confirming it by checking carefully, the handling bank will transfer the payment and charges fee from the customer;
(3) The handling bank gives one page of the walking bank payment voucher and the voucher to the customer.
4. Remittance
(1) The customer fills out walking bank payment voucher, sign it and then submit it to the intra-province branch that is authorized to offer the business;
(2) After confirming it by checking carefully, the handling bank will remit the payment and charge fee from the customer;
(3) The handling bank gives one page of the walking bank payment voucher and the voucher to the customer.
5. Bank draft
(1) The customer fills out walking bank payment voucher, sign it and then submit it to the intra-province branch that is authorized to offer the business;
(2) The handling bank issues bank draft and charges fee from the customer;
(3) The handling bank gives one page of the walking bank payment voucher and the voucher to the customer.
6. Consignment collection
(1) The customer fills out consignment collection voucher, sign it and then submit it to the intra-province branch that is authorized to offer the business;
(2) After confirming it by checking carefully, the handling bank will send the voucher and attached documents to the paying bank;
(3) After the entrusted payment has been collected, the handling bank will deposit it to the payee's account by account transfer.
Kind Reminder
1. When customers use walking bank exclusive vouchers in transaction, they should choose electronic test or universal payment password system as the authentication method.
2. For the business of salary withdrawal, in principle customers shall handle it in basic-account opening bank. If customers have special requirement, they can make an appointment with the opening bank to handle the business in a designated non-account opening bank.
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