국민은행 한도제한계좌 해제Today, I lifted the limit limit on KB Kookmin Bank’s regular deposit (deposit/withdrawal account). I will learn about the meaning of limit limit account, its restrictions, and how to lift it.
Limited accounts are intended to prevent accounts being opened for voice phishing fraud, which has recently become more severe, or for using cannon accounts. To put it more simply, if we do not submit accurate evidence of how and for what purpose we will use this account when opening an account, the financial institution will be blocked. It is opened as a transaction limit account. In most banks, if there is no supporting document, the account can be opened as a limit limit account, or there are some that have a strict defense of account opening by not even opening an account as a limit limit account at all.
When an account has financial transaction limit restrictions based on Kookmin Bank standards, the restrictions are as follows.
The part in bold is a limitation that looms large for us. The writer’s main job is a student and he never had to withdraw or transfer large sums of money, so he could have just used it as a limit account. Recently, the deposit he had at Kookmin Bank expired. When I moved to another bank and tried to sign up for a new account, the transfer limit to a limit account was 300,000 won per day, so it was difficult to transfer a large amount of money at once, so I decided to cancel the limit account.
There are two main ways to unlock a limited account.
First, you can lift the limit through internet banking or the KB Star Banking app. However, there are detailed standards and conditions, and if you do not meet the conditions, a visit to the branch is required.[!] Detailed standards
When the above detailed standards are met
You can apply from each menu. If you do not meet the release criteria, a limit maintenance information screen will be displayed.
The following is lifting by visiting a branch. To lift the financial transaction limit restriction by visiting a branch, you can request cancellation by preparing a document confirming the purpose of financial transaction, or if a sufficient purpose is recognized through the transaction history for the past 3 consecutive months, you can submit a document confirming the purpose of financial transaction. It can be canceled without documentation. Additionally, additional documents may be required for each branch, or the limit release may be refused. [!] Detailed criteria for release without documents based on transaction history for the past three consecutive months.
If you do not meet the detailed criteria above, you will need a document confirming the purpose of financial transaction. [!] Example of a document confirming the purpose of financial transaction
etc. are needed.
Among the many detailed conditions and documents, non-face-to-face release not only does not meet the conditions, but it is not possible to apply in the first place because the writer is a minor, and documents confirming the purpose of financial transactions do not appear in the name of the writer, even if there are receipts for utility bills and management fees corresponding to management fee accounts. I thought it was. So, I think the easiest thing I found was automatic payment of utility bills and stock trading at least 3 times a month for more than 3 months. However, it is difficult to open another stock account just to unlock this limited account, so automatic payment of utility bills. I targeted and worked hard to connect automatic transfers for 3 months. Firm banking is also included in automatic transfers, so automatic transfers such as the use of Hyundai Card are recognized as performance. Representatively, the authors used Hyundai Card, Save the Children CMS payment, and Toss transfer. Those three are Since I was forced to use it once a month, I only had to use it for 3 months, so it wasn’t that difficult. Also, in order to lift the limit for minors, they must be accompanied by a legal representative even if they are over 14 years of age. The required documents are the legal representative’s ID card and a family member. A relationship certificate (detailed/minor) and basic certificate (detailed/minor) are required.
Figure 1. Unmanned issuance of number tickets
There is only one Kookmin Bank in the writer’s neighborhood, so there are always a lot of people. So, if you are going to go to a branch and get a numbered ticket, it is much better to get one in advance. The menu is KB Star Banking app -> Branch Finder/Numbered ticket issued menu. You can cancel it. At first, the employee was a minor and there was a lot of voice phishing, so they tried to not cancel it. But since I was in a situation where I had to cancel it unconditionally, I explained why I needed to cancel it, and they proceeded with canceling it. I canceled the limit account. Afterwards, you can increase the transfer limit to less than 10 million won in the app. If you want to increase the amount from 10 million won or more in the app, you can visit the branch again, obtain an OTP card, and then increase the amount in the app. The writer does not think it is necessary to go up to 9.99 million won. The limit was increased to 7 million won.
Figure 2. Limit inquiry
As I said before, minors are not very willing to lift the limit unless there is a real reason why the limit should be lifted. Of course, this will be different for each branch and each employee will judge it differently, but if you do not have the documents right away and do not need to release it quickly, it may be better to leave it alone for now. Because I saw another fight break out at the bank for no reason.
