凱基銀行、凱基證券開戶+凸字晶片金融卡 - 銀行

By Olivia
at 2015-01-06T14:20
at 2015-01-06T14:20
Table of Contents
我今天到凱基銀行開戶(之前我閒聊提過的那兩家分行其中一家),其實分行服務臺可以
同時幫客戶處理銀行帳戶開戶和證券開戶(不過證券部分其實只是代收件,仍然必須送回
凱基證券分公司開戶),我聽到集保存摺要用郵寄的,實在有夠麻煩,後來我們討論之後
我決定自己送件到證券分公司開戶,這樣馬上就能拿到集保存摺,是最快的方式。
證券部分不是本板討論的重點,我就跳過。
分行在幫客人開戶的時候,會給客人綜合存款存摺,但別誤會了,他只是給你綜合存款存
摺而已,就這樣,這本存摺可以讓你在網銀做綜存無存單定期存款,但活儲部分很抱歉,
因為它的用途本來就是證券戶活儲,所以適用利率為0.08%,而不是活期儲蓄存款0.33%。
然後我問行員凱基銀行的晶片金融卡長什麼樣子?有凸字嗎?
行員說分行預先做了50張打印凸字帳號(是你真正的存款帳號,不是卡號喔)的預製卡,
他可以給我這個,如果預製卡用完了,可能就會改成手寫帳號金融卡,那我當然要這凸字
金融卡囉,質感好啊。所以我一聽到馬上放棄申請KGI悠遊鈦金Combo卡的念頭(行員說這
是平面印刷卡,沒有凸字)。我信用卡申請KGI悠遊鈦金卡,不想Combo了。
最後我拿到一張凱基銀行凸字一般晶片金融卡,這是一張銀色凸字霧面卡,我滿喜歡的,
顏色圖案跟存摺很搭(根本一樣),但卡片的藍色比存摺深一點。
行員還問我要不要順便開外匯存款,因為以後想開還要再寫一次資料,不如趁現在順便開
一開,比較方便。我問那要存100塊美金嗎?行員說不用存。於是我開了臺幣帳戶+外幣
帳戶,沒有存一毛錢,我帶的1000塊也沒用到。
信用卡部分我除了申請KGI悠遊鈦金卡,我又手軟多勾了馬卡龍城市悠遊卡VISA繽紛玫瑰
和馬卡龍城市悠遊卡JCB哆啦A夢卡(斑馬變身版)。其實我本來就喜歡繽紛玫瑰卡面。
關於信用卡帳款辦理自動轉帳扣繳享0.25%刷卡金回饋,我問行員我本來用土銀帳戶,現
在改用凱基帳戶,還能享0.25%嗎?行員說只有一開始就用本行帳戶自動轉帳扣繳的人才
沒有0.25%,像我是從土銀跳到凱基,就有0.25%。這點我還要再跟客服確認一下。但我仍
將ACH帳戶改到今天在凱基新開的證券活儲上了,反正我還有凱基一般活儲可以放錢。
服務嗎?其實凱基分行的小姐人都好啦,很親切呀,兩個一起服務我,沒得嫌啦。
--
同時幫客戶處理銀行帳戶開戶和證券開戶(不過證券部分其實只是代收件,仍然必須送回
凱基證券分公司開戶),我聽到集保存摺要用郵寄的,實在有夠麻煩,後來我們討論之後
我決定自己送件到證券分公司開戶,這樣馬上就能拿到集保存摺,是最快的方式。
證券部分不是本板討論的重點,我就跳過。
分行在幫客人開戶的時候,會給客人綜合存款存摺,但別誤會了,他只是給你綜合存款存
摺而已,就這樣,這本存摺可以讓你在網銀做綜存無存單定期存款,但活儲部分很抱歉,
因為它的用途本來就是證券戶活儲,所以適用利率為0.08%,而不是活期儲蓄存款0.33%。
然後我問行員凱基銀行的晶片金融卡長什麼樣子?有凸字嗎?
行員說分行預先做了50張打印凸字帳號(是你真正的存款帳號,不是卡號喔)的預製卡,
他可以給我這個,如果預製卡用完了,可能就會改成手寫帳號金融卡,那我當然要這凸字
金融卡囉,質感好啊。所以我一聽到馬上放棄申請KGI悠遊鈦金Combo卡的念頭(行員說這
是平面印刷卡,沒有凸字)。我信用卡申請KGI悠遊鈦金卡,不想Combo了。
最後我拿到一張凱基銀行凸字一般晶片金融卡,這是一張銀色凸字霧面卡,我滿喜歡的,
顏色圖案跟存摺很搭(根本一樣),但卡片的藍色比存摺深一點。
行員還問我要不要順便開外匯存款,因為以後想開還要再寫一次資料,不如趁現在順便開
一開,比較方便。我問那要存100塊美金嗎?行員說不用存。於是我開了臺幣帳戶+外幣
帳戶,沒有存一毛錢,我帶的1000塊也沒用到。
信用卡部分我除了申請KGI悠遊鈦金卡,我又手軟多勾了馬卡龍城市悠遊卡VISA繽紛玫瑰
和馬卡龍城市悠遊卡JCB哆啦A夢卡(斑馬變身版)。其實我本來就喜歡繽紛玫瑰卡面。
關於信用卡帳款辦理自動轉帳扣繳享0.25%刷卡金回饋,我問行員我本來用土銀帳戶,現
在改用凱基帳戶,還能享0.25%嗎?行員說只有一開始就用本行帳戶自動轉帳扣繳的人才
沒有0.25%,像我是從土銀跳到凱基,就有0.25%。這點我還要再跟客服確認一下。但我仍
將ACH帳戶改到今天在凱基新開的證券活儲上了,反正我還有凱基一般活儲可以放錢。
服務嗎?其實凱基分行的小姐人都好啦,很親切呀,兩個一起服務我,沒得嫌啦。
--
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