未满16周岁客户新办卡流程及注意事项
–石家庄深泽支行 张聪蕾
未满16周岁客户为未成年人，须法定监护人代为办理开卡业务。
💛
一、所需材料：双方身份证、户口簿
柜面人员需根据户口簿严格审核双方关系的真实性，常见的户口簿家庭成员关系有几下几类：
01
户主页：父亲/母亲
主要家庭成员：父亲+母亲+未成年子女
或：父亲+未成年子女
或：母亲+未成年子女
02
户主页：爷爷/奶奶
主要家庭成员：爷爷+奶奶+长子+次子+长女+次女+儿媳+未成年孙子女
03
户口簿的户主页：爷爷/奶奶
主要家庭成员：爷爷+奶奶+未成年孙子女
或者户口簿的户主页为：父亲/母亲
主要家庭成员：父亲+母亲
特别注意
02与03的情况需带监护人资格证明，证明可以为户口簿、未成年人父、母所在单位或未成年人住所地的居民委员会、村民委员会出具的监护关系证明、法院做出的指定监护人的裁判文书及其他能够证明监护人资格的有关依据、公证机构出具的公证书等，以此证明监护人关系方可办理开户。
💛
二、所需相关附件
户口簿、身份证均复印两份，由监护人填写“银行代理业务单”、“个人客户信息调查表”、“个人税收居民身份声明文件”。
💛
三、核查并打印
核查并打印未成年客户及监护人身份证，未成年客户没有身份证的手输身份证号进行核查并打印。
💛
四、开卡
在“银行卡预制卡领卡”菜单下完成开卡。
💛
五、设置密码
在“银行卡密码修改”菜单下完成新卡的密码设置。
特别注意
由于“银行卡密码修改”操作时无代理人录入选项，因此需手工进行代理人信息补录。
💛
六、银行卡工本费扣费
在“银行卡收费”菜单下进行新开卡的工本费扣费。
以上步骤就完成了未满16周岁客户的开卡的业务。
★★★特殊情况
若未成年客户没有身份证，需根据户口簿进行开卡业务的办理，“银行卡预制卡领卡”菜单进行开卡时证件类型选“户口簿”，证件号码录入身份证号，证件有效期的开始日期为户口簿签发日期，终止日期为长期有效（系统录入：99991231），其它步骤同身份证开卡。
领取最新办卡资费，添加 微信：sjzqb888 备注：办卡！
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