The difference between credit card, general savings account, bank settlement account and related representatives

A bank settlement account opened by a depositor in the name of a natural person with his or her personal identity document is a personal bank settlement account .

Accounts opened by postal savings institutions for bank card business are included in the management of personal bank settlement accounts.

Bank settlement account refers to the RMB demand deposit account opened by the depositor at the handling bank for handling fund collection and payment settlement, including: corporate bank settlement account and personal bank settlement account.

In other words: credit cards belong to personal bank settlement accounts; savings accounts do not necessarily belong to personal bank settlement accounts;

The difference between personal settlement accounts and savings accounts

Similar points:

(1) Both are current accounts;

(2) Both have the functions of depositing and withdrawing cash over the counter and transferring funds between personal accounts.

Differences:

A personal settlement account includes all the functions of a savings account, and can also handle the following services:

(1) Pay for water, electricity, Basic daily expenses such as gas and telephone;

(2) Payment of wages, pensions or social relief funds;

(3) Repayment of consumer credit for housing, cars, etc.;

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(4) Remittance;

(5) Bank-securities transfer, bank-securities connect business;

(6) Book-entry treasury bonds, open-end funds and other investment businesses ;

(7) Use debit cards for shopping and card consumption, deposit and withdrawal, balance inquiry, transfer, etc. through telephone banking, online banking, ATM and other self-service devices;

(8) Use credit payment instruments such as personal checks and credit cards.

The savings account only has the function of transferring cash between the business counter and personal accounts, and will no longer handle the settlement business of the above personal settlement accounts. How to distinguish between credit cards, general savings accounts, and bank settlement accounts and their related representatives

hjakabwewy7332231700 1 Answer: Bank current accounts usually opened by groups can be divided into two types: savings accounts and settlement accounts. Savings accounts only have a wide range of personal savings functions. The settlement account includes savings and other settlement functions, including withholding, salary payment, etc. 2 Answer: Generally, when groups need functions other than savings, they need to open a group settlement account. For example, settlement functions such as water and electricity withholding, telecommunications and network payment, salary payment and other settlement functions are required. 3 Answers: Savings cards and credit cards. Savings cards are debit cards and settlement accounts. Debit cards cannot be overdrafted. Credit cards are credit cards, and you can overdraw within your credit limit. Credit cards are not included in the scope of savings and settlement accounts. Bank current passbooks are divided into savings and settlement accounts. Bank cards are divided into two types: debit cards and credit cards. Bank debit card (cannot be overdrafted): Generally, many multi-purpose cards belong to settlement accounts (except for the old version of the card that is converted into one). Bank credit card (can be overdrafted): credit card. What is a bank settlement account and what savings are included? What accounts include

Bank settlement account refers to the RMB current deposit account opened by the depositor at the handling bank for handling fund collection, payment and settlement.

Classification of bank settlement accounts:

(1) Bank settlement accounts are divided into unit bank settlement accounts and personal settlement accounts according to different depositors. Among them: unit bank settlement accounts are divided into basic deposit accounts, general deposit accounts, special deposit accounts and temporary deposit accounts according to different uses. (2) Bank settlement accounts are divided into local bank settlement accounts and non-local bank settlement accounts according to the place where the account is opened.

A savings account refers to a RMB savings deposit account opened by a natural person in a bank savings institution in the name of a natural person with a valid personal identity document to handle fund deposits and withdrawals. Its main purpose is to obtain interest income.

What is the difference between a deposit account, a savings account and a credit card account?

Deposit accounts include corporate, personal, and bank accounts. Savings accounts are only personal deposits, including time deposits, demand deposits, fixed deposits, and call deposits. Credit card accounts are personal overdraft accounts. , accounts used for credit card settlement and accounts opened by postal savings institutions for bank card business should be included in ( ). A． Unit bank settlement account B. Personal bank settlement account C. General deposit

If you choose B, the accounts opened by postal savings institutions for bank card business will be included in the management of personal bank settlement accounts.

Refer to financial regulations

Is "a bank settlement account opened by a postal savings institution for bank card business" also a personal bank settlement account?

Yes, The bank settlement account opened by the Postal Savings Institution for bank card business is also a personal bank settlement account. The difference between settlement accounts and non-settlement accounts

The settlement account refers to the account used for settlement, and its payment method is Transfers cannot be withdrawn. Generally, many companies or units use them to settle expenses such as medical care, pensions, property water and electricity bills, telephone calls, and construction payments that do not require cash withdrawal.

Non-settlement accounts refer to savings accounts. Savings accounts can only carry out basic deposits and withdrawals, and they can only be handled at the account opening outlet. Deposits and withdrawals cannot be made in other places. Others cannot remit money to your account, let alone collect on your behalf. , agency payment services, such as agency payment of wages, agency payment of utility bills, etc. It is a general bank settlement account for companies

The time is not necessarily determined, usually 7-15 working days. There are also some banks that take a month to process because the branch cannot approve it. I spent nearly 20 days last year on the classification and content of bank settlement accounts

1. Bank settlement account. According to the different classifications of depositors, they can be divided into corporate bank settlement accounts and personal bank settlement accounts.

2. According to different uses, corporate bank settlement accounts can be divided into basic deposit accounts, general deposit accounts, and special deposits. accounts, temporary deposit accounts and RMB special accounts and RMB settlement capital accounts opened by qualified foreign institutional investors engaged in domestic securities investment. 3. Bank settlement accounts can also be divided into local bank settlement accounts and off-site bank settlement accounts according to the place where the account is opened. .