1. settlement account is the abbreviation of "bank settlement account". In socialist countries, an independent accounting enterprise transfers money from the payer's account to the payee's account through a bank, which is an account opened in a bank. An enterprise can only open a settlement account in one bank. The cash of an enterprise must be deposited in a bank settlement account in addition to the prescribed inventory limit.

2. All settlements between enterprises, except those that can be paid in cash, must be made through bank settlement accounts. The receipt and payment business of an enterprise in the settlement account shall be accounted for by the subject of "bank deposit". When depositing, debit (or add) the account; When paying, credit (or subtract) the account, and the balance should be checked with the bank statement regularly. ?

3. Bank settlement account refers to the RMB demand deposit account opened by the depositor in the handling bank for the settlement of fund receipt and payment. Bank settlement accounts are divided into unit bank settlement accounts and individual bank settlement accounts according to different depositors. The bank settlement account opened by the depositor in the name of the company is the bank settlement account of the company. A bank settlement account opened by a depositor in his own name is a personal bank settlement account.

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The difference between savings account and personal bank settlement account

1. Individual bank settlement accounts can handle external fund transfer or accept external fund transfer (including remittance from my off-site account), but savings accounts cannot.

Two, the savings account can only handle the deposit and withdrawal business and transfer in my name, can not transfer money to others or units, and can not accept the transfer of funds from others or units, but personal bank settlement accounts can.

Three, personal bank settlement accounts can be divided into ordinary transfer settlement and credit card payment, savings accounts can not.

1. Household savings can generally be divided into two forms: time deposit and demand deposit. Although the settlement account can also deposit and withdraw money and enjoy the deposit interest rate for the same period, the deposit period in the settlement account is not fixed. In other words, residents' regular savings business should be realized through savings accounts.

2. In this regard, the expert's suggestion is to designate one of the existing savings accounts as a settlement account, or to open a new settlement account, so as to better meet various financial wishes through two financial accounts.

3. Personal settlement accounts will be divided into ordinary transfer settlement and credit card payment. Ordinary transfer settlement Personal bank settlement account is used to handle remittance, transfer and other ordinary settlement businesses, which can be handled by myself or authorized others, and the bank will not issue statements for the time being; Personal bank settlement account for credit payment can handle credit settlement business by cheque, credit card, etc. And you can only handle it yourself, and the bank will issue a statement.

4. Personal bank settlement accounts and savings accounts can be transferred to each other through savings counters and electronic banks.

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