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Online Banking

 
 


Account management(Personal Service)


 

Account Inquiry

1. How to use the account inquiry function of the new version of online banking?
A: You may inquire about all online banking linked accounts by the "Account Overview" in the "Bank Account". Clicking the links such as balance, transaction details and account details behind the account selected, you can inquire about the details about fund balance, transaction records, account bank and account status of relevant accounts.

2. What is the asset summary report? How to use such report?
A: Asset summary report is a personal balance sheet that comprehensively reflects your financial position. The asset summary report summarizes your assets and liabilities in each bank account linked with the new version of online banking by currency and account, giving you a clear picture of your financial status. After successfully the Balance of all accounts in the Account Overview, you may view the Asset Summary Report.

3. What is the function of "Inquire about Old Account Number"?
A: The core system of BOC is being upgraded. During the upgrade, the original bank account numbers of clients will be updated according to the new business rules; after completion of the upgrade, clients may enjoy more convenient and perfect banking services in an all-round way. In order to facilitate clients to inquire about original accounts corresponding to the new account numbers, the new version of online banking provides the service "Inquire about Old Account Number" to the clients in the regions where the system upgrade has been completed.
Fund Transfer

4. What kinds of fund transfer does the new version of online banking provide?
A:With the new version of online banking, you may conveniently complete various kinds of fund transfer, including:
· Transfer between linked accounts: you may transfer funds between your debit card, passbook of current deposits and ordinary current deposit accounts linked with online banking; and you can also make fund transfer between different types of bank cards of BOC, including your own debit card, Great Wall RMB credit card, and so on(You can make cross-province fund transfer between debit cards, and cross-province fund transfer between Great Wall RMB credit cards is also supported in some regions.)
· Internal transfer within BOC: you may transfer funds from your linked debit card and the Great Wall RMB credit card to the other debit cards or Great Wall RMB credit cards (including your own or others’ cards that are not linked with online banking services)opened with BOC(You can make cross-province fund transfer between debit cards, and cross-province fund transfer between Great Wall RMB credit cards is also supported in some regions.).
· Domestic inter-bank transfer: you may transfer funds between your debit card and accounts opened with other domestic banks locally or inter-province.
· Fix Deposit: you can transfer funds between your linked fix deposit accounts and your current savings accounts with the same province.

5. By the function “Linked Account Transfer” in the menu “Fund transfer”, what kinds of linked accounts can the fund be transferred between?
A: By the function “Linked Account Transfer” in the menu “Fund transfer”, you may transfer funds between linked accounts of new version of online banking, including the transfer between your debit cards, passbook of current deposits and ordinary current deposits ,and also including the transfer between different types of bank cards(such as debit cards and Great Wall RMB credit cards). Cross-province fund transfer is supported between debit cards.
Through the function "Time Deposit”, you may convert time deposits into current deposits and vice versa between the passbook of time deposit accounts (or time deposit accounts such as interest withdrawal on principal deposited, installment savings and education savings) and current deposit accounts. No transaction may exceed the pre-set transaction limit.
If you hope to transfer from online-linked debit cards or Great Wall RMB credit cards to series cards of BOC, please use “repayment by credit cards” function under “credit cards” service. (transfer in different provinces can be done inter-province between debit cards)

6. May I transfer funds to the accounts opened by other persons with BOC?
A: Yes, you can. You may transfer funds to Great Wall electronic debit cards and Great Wall RMB Credit cards opened by other persons with BOC within and across a province by the function “Transfer within BOC” in the “Fund transfer”.

7. May I transfer funds to the accounts opened at the other banks?
A: Yes, you can. You may transfer funds to the accounts opened by other persons with any other domestic bank within or across a province.

8. What is the distinction between "Transfer Record" in the menu "Fund transfer" and the "Transaction Detail" in the menu "Bank Account"?
A: Through "Transfer Record" in the menu of "Fund transfer", you may inquire about the details about the fund transfer via the new version of online banking over the past one year. The record includes the information of successful or failed transactions and details about payee name, account number and remarks.
Through "Transaction Detail" in the menu "Bank Account", you may inquire about the accounting records of all transactions of selected accounts handled at the counter or by telephone banking, online banking and other channels. These records contain only the accounting information (fund change information) of successful transactions, and do not include the information of failed transactions and payee details.

9. Can the transaction certificates be printed for transfer via the new version of online banking?
A: After you transfer funds by the new version of online banking of BOC, you may print the transaction result page as transaction reference. In "Transfer Record", you may also take relevant transfer records inquired as transaction reference. However, both shall not be used as formal transaction certificates. If you need formal certificates, please conduct fund transfer at an branch of BOC.

10. What will I do if the browser does not react or it displays the system timeout after submission of the transfer instruction?
A: As for a real-time transaction, you may inquire about whether the transaction is successful by "Transfer Record" in the menu of "Fund transfer", or inquire about whether the account funds change by "Transaction Detail" in the menu "Bank Account". If the transaction records display that the transaction has been successfully fulfilled or the account funds have changed, you do not need to take any special operation. If the transaction fails or account funds do not change, you may opt to restart or abandon it.
As for an appointed transfer transaction, you may inquire about whether the appointment instruction exists in the record by "Appointment Management" in the menu "Fund transfer". If the appointment instruction has existed in the record, you do not need to take any special operation. If there is no such appointment instruction, you may opt to restart or abandon it.

11. What is the transfer on appointed date? What is the transfer in appointed cycle?
A: Transfer on an appointed date means that you designate a transfer to be implemented on a certain in the next three months by setting the basic conditions of transfer via online banking (including currency, amount, transfer-out/transfer-in account, etc.); transfer on an appointed cycle means that you designate the transfer to be automatically and cyclically implemented on the start date, end date and in the cycle (of which, the start date may be any day in the next month, and the end date may be any day of the next six months), by setting the basic conditions of transfer via online banking (including currency, amount, transfer-out/transfer-in account, etc.).
The two appointment functions may help you customize automatic transfer more conveniently and flexibly.

12. Why some appointment instructions can not be deleted in "Appointment Management"?
A: Your transfer (transfer between linked accounts, internal transfer within BOC, domestic inter-bank remittance, and time deposits) appointment instructions will be automatically executed by the system on the date designed by you. If you need to modify or delete a transfer appointment instruction, please complete the operation by "Appointment Management" prior to the expiry date. If there is no button Modify or Delete behind the instruction, it signifies that your appointment instruction has been executed (no matter whether it is successful or not) or has entered the sequence of system execution, and thus is unable to be modified or deleted.

Time Deposit

13. What kinds of time deposits can be added by the new version of online banking?
A: Through the new version of online banking, you may add lump-sum time deposits in the passbook of time deposits. In some regions, you may also add the call deposits and accounts for both time and current savings deposits.

14. What kinds of time deposits can be withdrawn by the new version of online banking?
A: Through the new version of online banking, you may withdraw four kinds of time deposits, i.e. lump-sum time deposits, accounts for both time and current savings deposits, call deposits and interest withdrawal on principal deposited, on the premise that you have opened related time deposit services with BOC.

15. What kinds of time deposits can be renewed by the new version of online banking?
A: You may renew time deposits such as installment deposits and education savings by the new version of online banking, on the premise that you have opened related savings services with BOC.

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