There is no handling fee for withdrawing money from the savings account; There is a handling fee for withdrawing money from a credit account.

2. There is a difference between being able to overdraw:

The savings account is a debit card, and you can only withdraw money from it, but you can't overdraw it; Credit cards have an overdraft limit. If the overdraft limit is 5000 yuan, when the balance in the credit card is 0, you can also overdraw and withdraw 5000 yuan.

Extended data:

The main types of savings accounts:

Current savings means that individuals deposit RMB funds in bank savings institutions, with no fixed deposit period. Individuals can renew or withdraw at any time with the certificate issued by the savings institution, and the deposit and withdrawal amount is not limited.

Lump sum deposit and withdrawal refers to local and foreign currency deposits with agreed deposit period, one-time deposit of principal, one-time withdrawal of principal and interest at maturity or automatic transfer by banks according to the original deposit period.

Installment deposit refers to the deposit method in which the deposit period is agreed at the time of opening an account, the principal is deposited in installments, and the principal and interest are withdrawn in one lump sum at maturity. It is characterized by monthly storage and fixed monthly deposit amount, which is suitable for people with fixed income but little savings every month. If the deposit is omitted during the installment period, it shall be made up in the next month. If it fails to make up, it will be regarded as a breach of contract, and the part deposited after the breach of contract will bear interest at the current interest rate.

Lump sum deposit and withdrawal refers to a kind of regular savings in which individuals deposit a large amount of RMB funds at one time, withdraw the principal by stages and withdraw the interest at maturity.

Fixed deposit means that an individual deposits the principal of RMB in one lump sum, and pays all the principal and interest in one lump sum when withdrawing. When the number of deposit days reaches or exceeds the corresponding deposit period (the longest deposit period is one year), the interest rate shall be determined according to a certain proportion of the fixed deposit and withdrawal period interest rate listed on the withdrawal date, and interest shall not be calculated by stages. If the deposit days do not reach the minimum deposit period of lump-sum withdrawal, the interest will be calculated at the current interest rate listed on the withdrawal date.

Interest-bearing deposit refers to a deposit in which the principal is deposited in one lump sum, the interest is withdrawn by installments and the principal is withdrawn at maturity.

Notice deposit in RMB refers to the deposit method in which depositors do not agree on the deposit period when saving money, but must inform the bank in advance to agree on the withdrawal amount and date.

No matter how long the actual deposit period is, notice deposits can be divided into 1 day notice deposits and 7-day notice deposits according to the length of advance notice of depositors. The characteristic of this kind of deposit is that if you have a lot of short-term idle funds, you can get higher interest income on the basis of maintaining liquidity.

The last one is educational savings, which refers to the preferential savings varieties provided only to students above grade four (including grade four) in primary schools. When opening an account, the depositor shall agree with the bank to deposit a fixed amount in installments every month, and if there is any leakage in the middle, it will be replenished the next month;

Failure to make up the deposit is regarded as breach of contract, and the part deposited after breach of contract is regarded as deposit interest rate plus interest, and income tax on interest of savings deposits is levied. At the time of withdrawal, you can enjoy the interest rate and interest tax relief stipulated by the state only by drawing the principal and interest in one lump sum with the passbook and the student identity certificate provided by the school (which must be valid in the current year, and one certificate can only enjoy one interest rate concession).

Baidu encyclopedia-credit account

Baidu encyclopedia-savings account