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东莞银行开卡实测:日限额仅1000元,可购买理财产品提额
Nan Fang Du Shi Bao· 2025-08-23 08:08
Group 1 - The article discusses the tightening of bank card 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] - A survey conducted by N Video reporters evaluated the card opening services of nine banks in Huizhou, focusing on efficiency, compliance, anti-fraud execution, and service quality [2] - The results showed that all nine banks performed well in anti-fraud education, with staff proactively informing customers about fraud prevention during the card opening process [2] Group 2 - Among the nine banks evaluated, seven successfully issued different types of primary cards, while two banks (Huaxia Bank and Industrial Bank) cited reasons related to customer eligibility for not issuing primary cards [2] - For the seven banks that issued primary cards, five completed the process within 30 minutes, while one bank took approximately 50 minutes due to delays in the service process [2][3] - The evaluation of Dongguan Bank Huizhou Branch indicated a total processing time of about 50 minutes, with a score of 35 points, reflecting the overall efficiency of the service [3] Group 3 - The process at Dongguan Bank involved verifying various documents, including social security information and work unit proof, and included a recommendation for a financial product to increase daily transaction limits [5] - The actual card opening took about 12 minutes, but the total time spent in the bank was over 50 minutes due to waiting and additional steps required [7] - Customers were required to bind their accounts to a public account for balance inquiries, which was presented as a necessity by the bank staff [7]
9家银行开卡实测:最低日限额千元 两家新用户只能办二类卡
Nan Fang Du Shi Bao· 2025-08-21 23:12
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].