A New Experience in Transfer, Wealth Management and Shopping
It is reported that in order to better serve customers, Industrial Bank has recently comprehensively optimized, integrated and upgraded its functional modules, including online transfers and wealth management, etc. As an important part of the online banking optimization and upgrading program, Industrial Bank has come up with a new intelligent call deposit product - Convenient Type Call Deposit. Industrial Bank will rollout this flexible intelligent call deposit to meet customers' demand for high liquidity and high level returns on their funds. In comparison with traditional call deposit, this new product has three advantages. Firstly, its current account and a deposit account combined within the same account, allowing you to deposit and withdraw at any time. Secondly, there is no limit to the amount of times you can deposit funds, and all transferred funds are entitled to enjoy the same returns as call deposit accounts. Thirdly, deposit term categories won't be designated in advance, instead the system will automatically calculate interest on any funds based on changes in the account balance. For funds that reach RMB 50,000 the account will intelligently select either a one-day or a seven-day call deposit category. Interest will be paid automatically on a quarterly basis and interest after tax will be included in the principal sum for the following cycle's interest calculation. Moreover, it's very easy to apply for a flexible intelligent call deposit account. Customers may apply for it at any Industrial Bank sales outlet or via online banking, telephone banking, and mobile banking, etc.
In respect to account transfers, Industrial Bank's online banking offers customers a more flexible service, providing real-time inter-bank account transfer service for funds that are less than RMB 50,000 to any of the major banks across the country 7*24 hours. For customers who do not require such advanced services, Industrial Bank offers a non-real-time city-wide inter-bank transfer service and a preferential zero service charge on Industrial Bank e-Card remote inter-bank transfers. At the same time, Industrial Bank also offers scheduled transfers for customers who may on a regular basis need to make mortgage repayments, pay children's living expenses, or support elderly relatives, or for self-employed individuals who need to settle accounts on a monthly basis. Industrial Bank also offers a batch transfer function, for making separate payments from multiple accounts.
Over recent years, Industrial Bank has been dedicated to steadily improving customers' experience through R&D and innovation, and by optimizing online banking processes and continuously improving their online transfers and wealth management services. Regarding investing in precious metals, the bank already supports physical transactions for gold and silver. Industrial Bank's online banking has been upgraded to support multiple-variety transactions, including physical transactions and deferred transactions. With preferential service charges, and a low fund threshold, even customers using only thousands in RMB can operate deferred transactions of silver.
In respect to assets management, Industrial Bank's online banking has a unique family account management function, where multiple current accounts of family members can be managed and transaction details can be viewed in real-time. When making online payments for telecommunications, water, electricity, media or cable TV bills, Industrial Bank's online banking customers may set the date, frequency and amount of any payment. This completes the one-stop payment for registered bills with Industrial Bank or other banks. In the field of e-commerce, Industrial Bank's online banking supports almost all shopping websites across the country. Industrial Bank Online Shopping Mall, a brand owned by Industrial Bank, offers exclusive preferential price discounts for customers needing mobile phone top-ups, air tickets, well-known fashion products, lottery tickets, cosmetics, sports and hotel services. For example, RMB 20 off of cloths purchases that reach the designated amount, maximum RMB 30 off air tickets, vouchers for cloths and sports items, and a free iPod if payments made using an Industrial Bank card to purchase air tickets adds up to the designated amount.
It is reported that Industrial Bank has also initiated a series of colorful marketing activities for online banking customers, such as year-end iPhone giveaways. Customers that use Industrial Bank's online banking to process transactions during the period, and obtain the designated amount of bonus points will be eligible for an opportunity to win a free iPhone and iPad.