The storage period of bank drafts varies according to national laws and regulations and internal bank policies. According to the relevant laws and regulations in China, banks need to keep customer information and account transaction records to ensure that the relevant information of customers will not be leaked. For paper bank statements, customers need to keep them properly and try to prevent them from being lost or damaged. For electronic bank bills, the storage time is relatively long, and customers only need to download or view them on the bank website or mobile banking.
The bank statement is a record provided by the bank to the customer, which reflects the change of the funds in the customer's account. It usually includes account balance, income and expenditure details, interest income, handling fees, etc. The form of bank bill can be paper or electronic. Customers can check the bill through bank counters, ATM machines, online banking and mobile banking. The importance of bank statement lies in that it can record the details of each transaction in the account, ensure that customers can monitor the changes of funds in their accounts and the utilization rate of the accounts, and ensure the safety and compliance of funds in the accounts.
Use of bank notes
1. Inquire about account balance: customers can inquire about account balance through bank statements and know their account funds in time.
2. Monitor the change of account funds: the income and expenditure of the account can be clearly recorded in each account description, and the customer can monitor the change of account funds in time, so as to find out the abnormal situation in time and deal with it.
3. Collecting account information: The bank statement can record the customer's account assets, interest income, handling fees, etc., and provide a basis for customers to collect and sort out personal account information.
4. Used for tax filing or auditing: Bank statements can record all the income and expenditure details of customers and play a very important role in tax filing and auditing.
5. Proof of account assets: The bank statement can be used as proof that the customer holds the account and proves the assets actually owned in the account.