惠州农商行开卡实测：耗时50分钟，新办一类卡只能柜面交易

Core Insights - The article discusses the tightening of bank account opening processes in response to risks such as telecom fraud and money laundering, highlighting concerns over excessive restrictions and inconsistent practices across different bank branches [2] Group 1: Bank Evaluation - A survey was conducted at nine banks in Huizhou to assess the efficiency, compliance, anti-fraud execution, and service quality of their account opening processes [2] - All nine banks demonstrated strong anti-fraud education efforts, with staff proactively informing customers about fraud prevention during the account opening process [2] - Out of the nine banks, seven successfully issued different tiers of primary savings accounts, while two banks (Huaxia Bank and Industrial Bank) cited specific restrictions preventing new users from obtaining primary accounts [2] Group 2: Specific Bank Case Study - At Huizhou Rural Commercial Bank's central branch, the total time taken for account opening was approximately 50 minutes, with a score of 65 points in the evaluation [3] - The bank required various documents for account opening, including proof of social security and housing arrangements, which added to the processing time [3] - Staff recommended a passbook instead of a primary account due to limitations on online banking capabilities for new primary accounts, indicating a potential gap in service offerings [5]