Starting from December 1, 2016, bank counters (for individual customers only) and non-counter channels other than self-service teller machines will provide real-time deposit, ordinary deposit, and next-day arrival. There are three transfer methods for customers to choose from.

"Real-time arrival": After accepting the depositor's transfer application, the deduction and remittance will be processed immediately;

"Ordinary arrival": Ordinary arrival means not real-time When the deposit is received, the deduction and remittance will be delayed for 2 hours after the depositor's transfer application is accepted;

"Next day arrival": The deposit will be deducted and remitted after the depositor's transfer application is accepted. The payment will be deducted and remitted on the second calendar day. Please note that the arrival time will not arrive after 24 hours the next day;

The above remittance time refers to the time when the bank deducts the money and initiates the remittance. In the case of inter-bank transactions, the arrival time also depends on the inter-bank clearing by the People's Bank of China. The time when the system and the beneficiary bank record the transaction;

When the bank processes the transaction, if the relevant clearing system has been closed, the transaction will be deducted at the agreed time and remitted until the clearing system is in normal service.