近年来，为防范电信诈骗、洗钱等风险，银行开卡流程趋严，但部分网点"层层加码"或"一刀切"过度限 制交易额度等问题亦引发关注。 惠州情况如何？南都N视频记者实地走访惠州9家银行，以办理一类储蓄卡并开通网银为目标，从办事 效率、合规性、防诈执行、服务质量四大维度展开测评，体验银行办卡服务和流程是否合规，是否便 利，有没有存在"层层加码"现象。 结果显示，被测评银行在反诈宣传方面表现优异，9家银行网点工作人员在办理开卡业务时，均主动向 记者介绍防诈骗教育宣传。因把握风险防控与金融便民的尺度不一，9家银行中，7家为记者办理了不同 额度的一类卡，华夏银行惠州分行、兴业银行惠州分行分别以新用户办不了一类卡和只有业务相关的客 户才能办理一类卡为由，向记者表示只能办理二类卡。 成功办理一类卡的7家银行中，5家银行从取号到办理完成时间在30分钟以内，部分银行耗时50分钟。 测评网点：惠州农商行中心支行 14时47分，记者在窗口办理一类卡时，另一工作人员以其他客户卡片出现问题为由，叫走正在为记者办 理业务的工作人员，并让记者去自助办卡机，有其他工作人员为记者服务。 自助办卡机前，工作人员全程帮助记者填写信息。在记者询问是否需要签 ...

Core Insights - The article evaluates the banking services in Huizhou, focusing on the process of opening a type one savings account and online banking access, highlighting the balance between risk prevention and customer convenience [5][14]. Evaluation Results - Among the nine banks assessed, seven successfully opened type one accounts, with performance scores varying significantly. The top two banks, Everbright Bank and Zheshang Bank, scored 95 points each, completing the process in under 15 minutes without any bundled sales [7][11]. - The remaining banks scored between 70 to 80 points, with issues primarily related to the requirement of additional documentation beyond basic identification [7][11]. - Huizhou Rural Commercial Bank and Dongguan Bank scored the lowest, with lengthy and complicated processes requiring multiple supporting documents [7][11]. Efficiency of Service - The time taken to open an account varied from 11 minutes to 50 minutes across different banks, with the longest wait times observed at Huizhou Rural Commercial Bank and Dongguan Bank [8][9]. - The fastest service was provided by Everbright Bank, completing the process in just 11 minutes, while the slowest was Huizhou Rural Commercial Bank, taking 50 minutes due to extensive verification procedures [9][10]. Compliance and Regulations - Overall compliance was satisfactory, with most banks requiring additional information such as social security and employment details during the account opening process [11][12]. - Notably, Guangfa Bank was the only institution to charge a 10 yuan service fee for account opening, which would be refunded after a specified period of maintaining a minimum balance [12][14]. Fraud Prevention Measures - All banks included fraud prevention education as a mandatory part of the account opening process, with limits on daily transaction amounts ranging from 1,000 to 5,000 yuan for the newly opened accounts [14][15]. - Huizhou Rural Commercial Bank's new type one account could only be used for in-branch transactions, highlighting a stringent approach to fraud prevention [14]. Service Quality - Several banks, including Everbright Bank and Zheshang Bank, demonstrated high service quality, while issues arose at Dongguan Bank and Huizhou Rural Commercial Bank, where staff were distracted by other customer needs during the account opening process [16][17]. - The overall customer experience varied, with some banks providing a seamless process while others faced challenges due to staff availability and procedural delays [16][17].

Core Viewpoint - The evaluation of seven banks in Zhuhai revealed significant disparities in their card issuance processes, with some banks excelling in service quality while others faced criticism for excessive restrictions and inefficiencies [1][3][6]. Group 1: Evaluation Results - The evaluation showed a clear tiered scoring among the banks, with China Merchants Bank and Xiamen International Bank both achieving the highest score of 95, demonstrating effective risk management and customer service [6][16]. - The lowest score was 55, attributed to banks like China Everbright Bank and Shanghai Pudong Development Bank, which exhibited lengthy processes and excessive restrictions on transaction limits [7][12][16]. Group 2: Efficiency and Process - The time taken to open a bank account varied significantly, with the fastest being 10 minutes at Xiamen International Bank, while some banks took up to 64 minutes due to inefficient processes [11][12][13]. - The average waiting time and processing time for account opening were inconsistent across different banks, highlighting a lack of standardization in service efficiency [11][26]. Group 3: Compliance and Service Quality - Overall compliance performance was strong, with four banks receiving full marks for not engaging in bundling sales or requiring unnecessary app downloads [16][17]. - However, some banks, such as China Everbright Bank and China CITIC Bank, faced criticism for requiring customers to follow social media accounts or download apps, negatively impacting user experience [17][21][22]. Group 4: Transaction Limits - The initial transaction limits varied widely, with Xiamen International Bank allowing a limit of 50,000, while others like China CITIC Bank set limits as low as 1,000 [22][24]. - The inconsistency in transaction limits reflects the banks' varying interpretations of regulatory guidelines aimed at preventing fraud and money laundering [22][23][24]. Group 5: Documentation Requirements - The documentation required for account opening was not standardized, leading to confusion and delays as different banks requested varying levels of information [26][27][30]. - This lack of uniformity in documentation requirements contributed to a frustrating experience for customers, as they faced different expectations at each bank [26][30].