Below is the English translation of the provided Korean text:
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We sincerely express our gratitude to our valued customers who always cherish and use KB Kookmin Bank, and we would like to provide guidance regarding your inquiry about [opening a deposit and withdrawal account].
If you currently wish to open an account that allows free deposits and withdrawals, the account holder must visit a nearby branch in person with a resident registration card, a transaction seal (not required if signing), and supporting documents verifying the purpose of the financial transaction. Alternatively, you can also open a deposit and withdrawal account through KB Star Banking (non-face-to-face service).
However, please note that account opening may be denied if you have opened deposit and withdrawal accounts at different financial institutions (including KB Kookmin Bank or other banks) within the past 20 business days, if the purpose of the financial transaction cannot be confirmed, or if the purpose of opening the account is unclear. When visiting a branch, additional supporting documents may be requested for remote transactions or if verification of the financial transaction purpose is needed. In such cases, the account may be opened with restricted withdrawal limits, or processing may be challenging, so we kindly ask for your understanding.
For your reference, you can open an account through KB Star Banking (non-face-to-face) via the [All Menu > Deposits > New > Open Deposit and Withdrawal Account] menu. You will need to prepare your ID (resident registration card or driver’s license), a smartphone registered in your name, and install the KB ONE Scan app. [Note: Available on weekdays from 08:00 to 22:00 and on weekends/public holidays from 09:00 to 18:00 (video call availability hours)].
Please note that there are no specific accounts designated as salary accounts, spending accounts, or investment accounts. Each deposit and withdrawal account offers different fee waiver benefits and conditions. You can check the details of our deposit and withdrawal accounts through the account opening path in KB Star Banking, so we recommend selecting a product that offers advantageous fee waivers or suits your needs.
Additionally, to prevent financial fraud and eliminate nominee accounts, verification of the financial transaction purpose has been strengthened recently. When opening a new account with free deposit and withdrawal access, you must submit a Financial Transaction Purpose Confirmation Form available at the branch along with supporting documents verifying the purpose of the financial transaction.
Accounts opened without submitting supporting documents (including non-face-to-face accounts) will have a daily withdrawal and transfer limit of 300,000 KRW via ATMs and internet (mobile) banking to ensure safe financial transactions and prevent telephone financial fraud. (Limited to one account per person per bank.)
Examples of representative supporting documents verifying the financial transaction purpose include:
- **Salary Account**: Proof of employment, payslip, withholding tax receipt, or other income verification documents.
- **Business Account**: Supply contract (invoice), (electronic) tax invoice, financial statements, VAT certificate, tax payment certificate, etc.
- **Group Account**: Member list, group bylaws, or other proof of group activities.
- **Utility Bill Transfer Account**: Utility bill payment receipt, etc.
- **Apartment Management Fee Account**: Management fee receipt, etc.
- **Part-Time Job Account**: Employer’s business registration certificate, employment contract, payslip, or other income proof.
- **Research Fund Account**: Research fund contract and proof of payment issuer’s business registration or certificate, etc.
- **Pension Receipt Account**: Pension certificate (pension recipient confirmation), etc.
- **New Corporation or Sole Proprietor**: Field verification or equivalent (e.g., business lease agreement, business website, portal site street view, signage photo, office equipment purchase receipt, etc.), documents issued by entrepreneurship-related organizations, etc.
※ We kindly request you to prepare one of the above verifiable documents, issued within the last month.
As a reference, you can also attach a National Health Insurance Qualification Gain/Loss Confirmation issued on the account opening day to the new transaction application form. This document is issued by the National Health Insurance Service, and the issuance methods are as follows:
- **Call Center**: 1577-1000 > 1 > 1 > Enter resident registration number > Connect to agent (can be received via fax at the branch).
- **National Health Insurance Website (www.nhis.or.kr)**: Qualification Gain/Loss Confirmation > Log in with certificate > Select “Employee Subscriber” under search conditions > Issue and print or send via fax.
- **App (M Health Insurance)**: Prerequisites (National Health Insurance website > Integrated Portal Help > Mobile Service > Export Certificate):
- 1. Install M Health Insurance > Certification Center > Import Certificate.
- 2. M Health Insurance > Certificate Fax > Qualification Gain/Loss Confirmation (for banks, etc.) > Log in with public certificate.
※ Issuance via the website/app requires an electronic signature (public certificate), and issuance via the call center requires identity verification through an agent.
However, since the specific required documents may be determined by the branch staff assisting with the actual process, we recommend calling KB Kookmin Bank at ☎ 1599-9999, 1644-9999, or 1588-9999, then selecting service code 0 > 0 (branch connection) to connect with the staff at the branch you plan to visit. Please confirm the specific supporting documents required before your visit.
For your reference, accounts offering fee waivers based on salary transfer performance include the “KB Employee Preferential Comprehensive Account” and the “KB Kookmin ONE Account.” Below is information on the fee waiver conditions for your consideration:
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**[KB Kookmin ONE Account]**
◈ **Waiver Criteria (Basic Conditions)**
| Basic Conditions | Eligibility Criteria |
|-------------------------------|-------------------------------------------------------------------------------------|
| KB Card Payment | Usage of KB Kookmin Card (credit/check/BC card included) including cash advances |
| Utility Bill Transfer | Record of utility bill payments (withdrawals) from this account (e.g., apartment management fees, giro, CMS, firm banking auto-payments, excluding card payments) |
◈ **Fees Waived & Waiver Frequency**
| Fees Waived (Based on this account) | Frequency |
|-------------------------------------------------------------|-----------------|
| Electronic Banking (Internet, Phone, Mobile Banking) Transfer Fees (to other banks) | Unlimited |
| KB Kookmin Bank ATM After-Hours Withdrawal Fees | Unlimited |
| Automatic Payment Transfer Fees (including other banks) | Unlimited |
**Waiver Period**: From the 11th of this month to the 10th of the next month.
◈ **Waiver Criteria (Additional Conditions)**
| Additional Conditions | Eligibility Criteria |
|-------------------------------|-------------------------------------------------------------------------------------|
| Salary Transfer | Record of salary transfer of 500,000 KRW or more per transaction |
| Merchant Payment | Record of merchant payment deposits issued by KB Kookmin Bank |
| Pension Receipt | Record of pension receipt |
◈ **Fees Waived & Waiver Frequency**
| Fees Waived (Based on this account) | Frequency |
|-------------------------------------------------------------|-----------------|
| Electronic Banking (Internet, Phone, Mobile Banking) Transfer Fees (to other banks) | Unlimited |
| KB Kookmin Bank ATM After-Hours Withdrawal Fees | Unlimited |
| Automatic Payment Transfer Fees (including other banks) | Unlimited |
| KB Kookmin Bank ATM Transfer Fees (to other banks) | 10 times/month |
| Other Banks’ ATM Withdrawal Fees | 5 times/month |
| SMS/Fax Transaction Notification Fees | Unlimited |
**Waiver Period**: If one or more of the additional conditions are met along with the basic conditions in the previous month, waivers apply from the 11th of this month to the 10th of the next month. Note that at least one basic condition (KB Card Payment or Utility Bill Transfer) must be met to receive fee waiver benefits. Additional conditions alone without basic conditions will not qualify for waivers, so please keep this in mind.
Additionally, when switching to or opening a KB Kookmin ONE Account, electronic banking transfer fees (to other banks), KB Kookmin Bank ATM after-hours withdrawal fees, and automatic payment transfer fees (including other banks) are waived without limit from the opening/switch date until the 10th of the month after next, regardless of transaction history.
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**[KB Employee Preferential Comprehensive Account]**
◈ **Waiver Conditions, Fees Waived, and Frequency**
| Conditions | Fees Waived | Frequency |
|---------------------------------------------------------------------------|-------------------------------------------------|-----------------|
| * Account with salary transfer of 500,000 KRW or more in the past month (based on the previous month-end) OR total salary transfers of 1,000,000 KRW or more over the past 3 months (including transfers from other banks) | - Electronic Banking Fees<br>- KB Kookmin Bank ATM After-Hours Withdrawal Fees<br>- KB Kookmin Bank ATM Transfer Fees (to other banks) | Unlimited<br>Unlimited<br>10 times/month |
| | - Other Banks’ ATM Withdrawal Fees | 5 times/month |
| * Account with average deposit balance of 1,000,000 KRW or more over 3 months OR total KB Kookmin Card (credit/BC/check) payments of 1,000,000 KRW or more over 3 months OR 2+ monthly payments from KB Silver Housing Pension Loan | - Electronic Banking Fees<br>- KB Kookmin Bank ATM After-Hours Withdrawal Fees | Unlimited<br>Unlimited |
| * Account with KB Kookmin Card (credit/BC/check) or other companies’ card payment (VAN, CMS) records OR 2+ automatic transfers (e.g., utility bills, apartment management fees, giro, VAN, CMS, or KB Wise Plan savings transfers) | - Electronic Banking Fees<br>- KB Kookmin Bank ATM After-Hours Withdrawal Fees | 10 times/month<br>Unlimited |
※ When switching to or opening a KB Employee Preferential Comprehensive Account, a total of 20 fee waivers (electronic banking fees and KB Kookmin Bank ATM after-hours withdrawal fees) are provided until the 10th of the month three months from the switch/opening date, regardless of transaction history.
Additionally, if salary transfer records (from KB or other banks) occur during this period on the salary transfer date (including 1 business day before and after, totaling 3 business days), electronic banking fees and KB Kookmin Bank ATM after-hours withdrawal fees are waived without limit, with KB Kookmin Bank ATM transfer fees waived 10 times and other banks’ ATM withdrawal fees waived 5 times monthly. (Unused waivers do not carry over.)
For more detailed product information, you can check via [Bank Website > Deposits/Gold > Deposit Products > Freely Accessible Deposits] or [KB Star Banking > All Menu > Deposits > New > Open Deposit and Withdrawal Account]. We kindly ask you to refer to this information for your use.
We apologize for not being able to assist you directly despite your valuable time spent inquiring. For any further questions regarding transactions with KB Kookmin Bank, please feel free to contact the KB Kookmin Bank Smart Counseling Department at [☎1599-9999, 1644-9999, 1588-9999 / ☎ Overseas 82-2-6300-9999 Customer Center] or [Online Chat Counseling] anytime.
- **Smart Counseling Phone Hours**: Weekdays 08:00–22:00, Saturdays/Public Holidays 09:00–18:00
- **Smart Counseling Chat Hours**: Weekdays/Saturdays/Public Holidays 24 hours (Note: Some consultations like product subscriptions and funds are available only on weekdays 09:00–18:00, unavailable on Saturdays/public holidays)
We wish you good health and happiness always.
Thank you.
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