用java申明一个银行账户类，成员变量包括账号、储户姓名、开户时间、身份证号码、存款余额等账户信息，成员方法包括开户、存款、取款、查询（余额，明细）、销户等操作。

以下是一个Java代码示例：

import java.util.ArrayList;
import java.util.Date;
import java.util.List;

public class BankAccount {
    private String accountNumber;  // 账号
    private String accountHolderName;  // 储户姓名
    private Date openDate;  // 开户时间
    private String identityCardNumber;  // 身份证号码
    private double balance;  // 存款余额
    private List<Transaction> transactions;  // 交易明细列表

    public BankAccount(String accountNumber, String accountHolderName, String identityCardNumber) {
        this.accountNumber = accountNumber;
        this.accountHolderName = accountHolderName;
        this.identityCardNumber = identityCardNumber;
        this.openDate = new Date(); // 开户时间为当前时间
        this.balance = 0;
        this.transactions = new ArrayList<>();
    }

    // 存款
    public void deposit(double amount) {
        balance += amount;
        transactions.add(new Transaction("Deposit", amount));
    }

    // 取款
    public void withdraw(double amount) throws InsufficientFundsException {
        if (amount <= balance) {
            balance -= amount;
            transactions.add(new Transaction("Withdrawal", -amount));
        } else {
            throw new InsufficientFundsException();
        }
    }

    // 查询余额
    public double getBalance() {
        return balance;
    }

    // 查询交易明细
    public List<Transaction> getTransactions() {
        return transactions;
    }

    // 销户
    public void closeAccount() {
        balance = 0;
        transactions.clear();
    }

    // 开户
    public static BankAccount openAccount(String accountNumber, String accountHolderName, String identityCardNumber) {
        return new BankAccount(accountNumber, accountHolderName, identityCardNumber);
    }

    // 交易明细类
    private static class Transaction {
        private String description;  // 描述（存款、取款）
        private double amount;  // 交易金额
        private Date date;  // 交易时间

        public Transaction(String description, double amount) {
            this.description = description;
            this.amount = amount;
            this.date = new Date(); // 交易时间为当前时间
        }

        public String getDescription() {
            return description;
        }

        public double getAmount() {
            return amount;
        }

        public Date getDate() {
            return date;
        }
    }

    // 资金不足异常类
    private static class InsufficientFundsException extends Exception {
        public InsufficientFundsException() {
            super("Insufficient Funds");
        }
    }
}

使用示例：

// 开户
BankAccount account = BankAccount.openAccount("1234567890", "张三", "123456789012345678");

// 存款
account.deposit(1000);

// 取款
try {
    account.withdraw(500);
} catch (InsufficientFundsException e) {
    System.out.println(e.getMessage());
}

// 查询余额
System.out.println("账户余额：" + account.getBalance());

// 查询交易明细
List<BankAccount.Transaction> transactions = account.getTransactions();
for (BankAccount.Transaction transaction : transactions) {
    System.out.println(transaction.getDescription() + " " + transaction.getAmount() + " " + transaction.getDate());
}

// 销户
account.closeAccount();