The invention provides a method and system for managing electronic accounts and a terminal. The method for managing the electronic accounts includes the steps that the transaction authority of a first-class operating system for the first electronic account and the transaction authority of a second-class operating system for the second electronic account are determined; whether fund circulation needs to be conducted through the first electronic account or not is judged according to the operating state; when it is judged that fund circulation does not need to be conducted through the first electronic account, the first-class operating system is controlled to transfer funds of the second electronic account to the first electronic account. By the adoption of the technical scheme, the transaction authorities can be judged and controlled according to the double systems and the operating state, the risk that the funds are stolen is avoided, the safety of the funds is guaranteed, and the user experience is improved.