Mobile Wallet Service1. What does IB Personal Internet Banking feature?

IB internet banking is at your service round the clock, meeting your banking demand anytime anywhere. Features possessed are as follows:

•  Secure and safe

•  You can log on to CIB Online either as a general client or as a certificate client. All the data transmitted on IB Internet Banking are encrypted with Secure Socket Layer with true 128-bit encryption.

•  No personal info and account info are stored in your PC, which is designed to protect them against being stolen.

•  Dedicated password has been added to safeguard your funds.

•  Powerful and Helpful

•  With cooperation with securities firms, fund houses and communication enterprises, IB internet banking offers a wide range of powerful and useful services as online bank-securities transfer, purchase and sale of open-end fund, ChinaUnionPay Fund, self-service Bill Payment, etc..

•  All-around Wealth Management

•  You can link all your IB draw-on-demand accounts by your Personal Client Number (PCN), overview your wealth at a glance, and manage your assets at a click.

•  Efficient and Time-saving

•  You can enjoy better services as a general browser, exempted from the time and money consumed on the downloading of the professional version of Internet banking systems.

2. Compared with traditional counter banking, what advantage doses IB Personal Internet Banking own?

•  No space bound

You can enjoy all financial services provided by IB with ease and peace at home or office so long as you have a connected PC, escaping from all the troubles and inconveniences as rushing to the bank and waiting in long queue.

•  No time limit

Business hour of traditional counter banking has far from serving your business demands, while IB Internet Banking can offer 24-hour convenient services on a real-time basis.

•  Confidential Privacy

As rigorous security measures have been taken by IB Internet Banking, your account information and other privacy are kept confidential when you conducting online banking operations.

3. What new services have been added into the upgraded version of IB Personal Internet Banking?

Online Loan

With CIB Online 3.0, you can submit loan application form online, or obtain pledge loan secured by your term deposit or treasury bond online. For loans applied online, you can also repay them via IB Internet Banking.

SMS protection for online transaction

After a successful application for this service, both the account password and the additional verifying code sent, in a manner of SMS, to your mobile phone by IB, are needed for the conclusion of a transaction when you conduct outward disbursement, OSP and bill payment operations.

Trial Credit Line of Bill Payment and OSP

The trial credit line is dedicated to the general clients. The RMB 500 trial credit line of bill payment and OSP are free of counter application.

Online application for IB Card and IB E-Card

Assets and Liabilities Overview

Information about all your assets and liabilities in accounts enrolled under your Personal Client Number will be visually displayed in a pie chart, giving you a clear and intuitional overview of them.

Bill Payment Schedule and Disbursement Arrangement

You can customize a one-off or recurring disbursement and bill payment plan to cover your future expenses on mortgage, insurance premium, water and power expenses, etc. The bank will execute your payment instructions automatically upon due.

Check Guarantee

The drawer of personal check can register and guarantee via IB Internet Banking, and the drawee can inquire about the guarantee info of the check he/she accepted by enter into the inquiry number given by the drawer to protect against commercial fraud.

Bond Transaction

The purchasing, subscribing, cashing in advance and redeeming at maturity of bond can be accessed through CIB Online 3.0.

4. What is automatic deposit conversion upon designated limit (ADC)?

It's a feature specially designed for IB Card and IB E-Card clients, enabling you to convert your demand deposit into term deposit or call deposit by designating the amount of retained money for your demand account, the amount of new deposit and its term. When the balance in your demand account exceeds the retained amount, and the excess is more than the converted amount,IB Internet Banking will open a new term account or call account according to your designated terms.

5. Can I handle loss report via IB Personal Internet Banking?

Yes, but just limited to emergent report with effective period of 3 days. The funds in your reported account cannot be transferred out during the effective period. A formal report of loss at any counter of your account branch bank within 3 days is needed.

6. What is account rights management (ARM)?

It's a management service based on the Personal Digital Certificate for IB Internet Banking. With this service of the ARM, you can check the banking services that have already been opened, open or modify any e-banking service provided by IB.

7. What are the Logon Password, the OSP Password and the Account Password? What's the difference?

The Logon Password is the password needed when you access to CIB Online, which is set up when you applying for the PCN of IB Internet Banking. 8-bit password with both letters and numbers is recommended for the sake of security.

The OSP Password is dedicated to payment of online shopping, which is designed to ensure that the payment instruction we accept is sent from you. It is better to change the OSP Password on a regular basis.

The Account Password is the most fundamental one. Holders of the Account Password can inquire about the PCN of the linked account, change the OSP Password and the Logon Password.

8. Do I have to apply for different PCNs for different IB Cards or different IB accounts?

No. One PCN corresponding to one of your draw-on-demand accounts is what all you need. And the other accounts can be linked and managed by this PCN as you register them under this PCN.

9. What can I do if I forget my PCN?

Click on “Forgetting Client Number” on the IB Personal Internet Banking logon page, input the account number and the corresponding account password of any of the accounts linked under this PCN, you can get the forgotten PCN online.

10. What can I do if I forget my Logon Password?

Click on “Forgetting Logon Password” on the logon page, input the account number and its password of any of the accounts linked under your PCN. CIB Online will send a new logon password to your mobile phone or email as requested.

11. Why is my PCN locked up?

Your PCN will be locked up for 6 times of consecutive incorrect logon password inputs, which is designed to keep your PCN from malignant use. You can unlock it at any of the bank's counter of your account branch in person, bringing together with you your ID card and any of the registered account under the PCN.

Besides, the PCN can be locked by yourself. When you cannot access to CIB Online due to the malignant change of your Logon Password, you can lock your PCN by clicking on “Locking up my PCN” on the logon page, and reset a new one at any of the bank's outlets.

12. What should I pay attention to when entering card number or account number?

Make certain that your input is correct and complete. The IB Card number is made up of 16 or 18 digits, the IB all-in-one passbook number has 10 digits, and the number of other account consists of 18 digits.

13. What's the difference between the total credit line and the daily credit line of the OSP?

The total credit line of the OSP is the accumulated total amount of money you can pay out from your OSP account when shopping online, while the daily credit line of the OSP establishes the limit of your online shopping payment within a day. Both of them can be set up and modify to serve your demand.

14. Is there an amount limit on online transfer and remittance?

The upper limit of the outward transfer is RMB 200,000 (not included) per transaction. You can set up your personal daily transfer limit at your discretion within this upper limit.

15. How long will it take for the receipt of the online transfer and remittance?

It depends on the beneficiary's account. For the IB account, it happens in real time. For the local non-IB account, it takes place within 2 days. While for the non-local non-IB account, it may costs 3 days.