1, different uses:

General deposit account: it is mainly used for the receipt and payment of settlement funds such as loan transfer and loan repayment of depositors.

Special deposit account: a bank settlement account opened by depositors in accordance with laws, administrative regulations and rules for the special management and use of their special funds.

2, the provisions are different:

A general deposit account cannot be opened in basic deposit account (referring to the same business institution) in the depositor's bank.

Special provisions for special accounts:

(1) The funds in the "Company Bank Card Account" must be transferred from basic deposit account, and cash receipts and payments are not allowed in this account;

(2) No cash can be withdrawn from the special deposit account of "extra-budgetary funds, securities trading settlement funds, futures trading deposits and trust funds".

3, the scope is different:

General account: a bank settlement account opened by a depositor in a banking institution other than the bank where the account is opened for borrowing or other settlement needs.

Special account:

Scope of application:

(1) Capital construction funds;

(2) Updating and transforming funds;

(3) Extrabudgetary funds;

(4) Funds for purchasing grain, cotton and oil;

(5) Securities trading settlement funds.

(6) Futures trading margin.

(7) Trust funds;

(8) interbank funds deposited by financial institutions;

(9) Policy real estate development funds;

(10) Company bank card reserve fund;

(1 1) Housing accumulation fund;

(12) social security fund;

(13) Income remittance funds and business expenditure funds;

(14) organization funds of the party, league and trade union;

(15) Other funds that need special management and use.

Extended data:

use

The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal. There is no limit to the number of accounts opened. General deposit accounts can only be paid after 3 working days from the date of formal account opening, except for general deposit accounts opened due to loan extension.

Applicable object of general deposit account

Units or organizations that need loans or other settlement may open general deposit accounts with depositors in basic deposit account.

References:

Baidu Encyclopedia: General Account

References:

Baidu Encyclopedia: Special Account