The invention discloses a method for protecting 
bank account fund security and multiple specific applications thereof, and belongs to the field of 
financial security. The method comprises the following steps of: dividing accounts into multiple levels with different functions; setting a few fund transfer and monitoring passwords, transferring funds among the levels by using a fixed phone number of bound numbers, a monitoring phone and a 
mobile phone, setting multiple persons to monitor the output funds, and authorizing departments of 
public security and the like of the output fund 
receiver accounts to monitor the funds, thus ensuring reality, legality and 
traceability of account possessors. When the 
mobile phone is used, information such as original passwords, accounts and the like does not need to be used or sent, so that radio signals can be prevented from being divulged by intercepting; the 
password can be used and monitored under the concealed condition, and the deposited amount is used as the other 
password, so that the theft-proof purpose is fulfilled, and the theft behaviors of thieves such as secret photography, hobbyhorses, exchange and the like completely lose effect; and by the method, a large amount of financial fraud, depositor hijacking, bribery, absconding with money, tax evasion and malicious 
overdraft cases can be reduced.