☆ Introduction
A service offered to make transfer according to your requirement. Currently, the service offers 3 types of automatic transfer: recurring, balance top-up and trigger.

I. Recurring : transfer a fixed sum to your account or other's account from your account at fixed cycle , applicable to make transfer every month to house mortgage repayment account, pay alimony to parents and living expense to children, etc.

II. Balance top-up: When the balance in your account or other's account is below your specified standard, ICBC automatically transfers a certain sum from other account of yours in order to maintain the account balance above the specified standard.

III. Trigger: When the balance in your current account is above the specified standard, ICBC automatically transfers a sum (exceeded amount or fixed amount) out of the account and deposit to fixed deposit (or call deposit) in order to increase return to your savings. Account to be debited can be current account of yours of others.

☆ Features
I. Intelligent, time-saving and  trouble-free: After signing auto-transfer agreement with ICBC, no more worries about trivial accounting matters. ICBC will automatically make transfer to save your time and unnecessary attention.

II. Easy to apply. Service is available at ICBC business offices, also through Internet Banking self-service.

III. Various services: Through ICBC automatic transfer, you can provide living expenses for your children, or alimony to parents, or try to control the maximum limitation of account.

☆ Cases
I. Auto-transfer – Recurring
Madame Zhao, Vice President of a Beijing Company. Her son studies in Peking University. She gives a fixed sum for his living expenses every month to let him know how to manage money.

In the past: On the first day of each month, Madame Zhao goes to ICBC to transfer a sum to her son's Peony Money Link Card.

Now: Through this service, ICBC will transfer a specified amount to her son's account on the first day of each month. Madame Zhao does not need to go to the bank every month any more.

II. Auto-transfer – Balance top-up
Mr. Zhang a typical family where income entirely comes from Mr. Zhang's salary and bonus, and Madame Zhang, as a full-housewife, takes care of all the expenditure. Mr. Zhang, in consideration of safety and convenience, applies a Peony Money Link Card for his wife as the expense account of the family. He wants to always have a balance of around RMB10, 000 in this card to make sure his wife can have money to spend and withdraw in cash.

In the past: Mr. Zhang and Madame Zhang have always to check the balance of Peony Money Link Card. When balance below RMB 10,000, Mr. Zhang has to go to the bank to transfer money from his payroll account.

Now: Through this service, ICBC checks the spending account in Madame Zhang's Peony Money Link Card each day. When the money in the account is less than RMB 10,000, ICBC automatically transfers a certain sum from an account specified by Mr. Zhang to make up the shortfall.

III. Auto-transfer – Trigger
Mr. Ding, Professional writer, monthly income is about RMB 20,000. A special current account is opened under Elite Club Account to receive money from publisher and magazine house.

In the past: Mr. Ding too busy to manage his idle fund. Large amount of income stood still in current account. Every 6 months, he will transfer all his income to deposit as 1-year fixed deposit. Assume Mr. Ding collects his income on the first and fifteenth day of each month, RMB 10,000 each time. From January 1 till July 1, interest on his income will be: 10000*0.72*80％/24*(12+11+……+1)= RMB 187.2.

Now: Through this service, ICBC will automatically check Mr. Ding's receiving account each day. Once money in the account is over the specified amount, ICBC automatically transfers the exceeded amount to deposit as 1-year fixed deposit. Now Mr. Ding's income will be automatically transferred and deposited as 1-year fixed deposit on the day of income credited into account. Interest accrued on 6 months' income will be: 10000*2.25*80％/24*(12+11+……+1)= RMB585, 3.125 times of before.

☆ Service Channel
At ICBC business offices, through Internet Banking.

☆ Operation Guide
I. At ICBC business offices: Apply at ICBC business office with your Elite Club Account Card (or Peony Money Link Card•e-age, Peony Money Link Card).

II. Through Internet Banking:
(I) Auto-transfer – Recurring
1. Choose Internet Banking "Customer Service – Personalized Setting", select "Sign Finance Agreement" (Customer must sign this agreement first before signing up Finance Agreement under ICBC butler services item. Sign this agreement once only, no need to repeatedly sign.) .
2. Choose Internet Banking "Personal Finance – Finance Service".
3. Select "Recurring Transfer".
4. Set "Payment Account".
5. Set "Receiving Account".
6. Set "Transfer Cycle" in days or months.
7. Set "Frequency" (Transfer interval).
8. Set "Transfer Amount".
9. Set "End Date".

(II) Auto-transfer – Balance top-up
1. ose Internet Banking "Personal Finance – Finance Service".
2. "Schedule Transfer".
3. yment Account".
4. Set "Payment Condition": Select "When balance in receiving account less than", set accordingly "Transfer Control Amount" and "Top-up Amount", "Top-up Amount" is the target amount that customer wishes to reach.
5. Select "Receiving Account", set "Application Number" as "Current".
6. Set "End Date".

(III) Auto-Transfer – Trigger.
1. Choose Internet Banking "Personal Finance – Finance Service".
2. Select "Schedule Transfer".
3. Set "Payment Account".
4. Set "Payment Condition": Select "When balance in payment account more than", set accordingly "Transfer Control Amount", select transfer mode accordingly  "Retain" or "Transfer to receiving account a fixed sum of " amount.
5. Select "Receiving Account", In "Application Number." select the respective deposit type, select deposit period and re-deposit period
6. Set "End Date".