基本案情2002年7月30日原告张拱肃向被告中国建设银行涪陵分行申请开设了存折号为××458,储蓄卡号为××960的活期储蓄账户,双方约定凭密码支取。2003年2月26日被告中国建设银行涪陵分行的新星分理处按照储户的要求,从张书荣的××201账户转入300000元至原告的存折账户 Basic case On July 30, 2002, the plaintiff Zhang Suzsu applied to the defendant China Construction Bank Fuling Branch to open a current savings account with a passbook number of ×× 458 and a savings card number of ×× 960, and both parties agreed to withdraw their funds with a password. On February 26, 2003, the defendant, Rising Star Branch Office of Fuling Branch of China Construction Bank, transferred from Zhang Shurong’s XX 201 account to the bank account of the plaintiff at the request of savers