Ordinary families can transfer money privately. Ordinary households can be used for lending, repayment of loans, settlement of other funds and cash deposits. But ordinary families can't apply for cash withdrawal. Therefore, general account transfer can only be transferred to the other account, not paid in cash.

Article 33 of the Measures for the Administration of RMB Bank Settlement Accounts stipulates that basic deposit account is the depositor's main account. The receipt and payment of funds for depositors' daily business activities and the withdrawal of wages, bonuses and cash shall be handled through this account. Article 34 A general deposit account shall be used for 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. Thirty-fifth special deposit accounts are used to handle the receipt and payment of various special funds. The funds in the company's bank card account must be deposited through basic deposit account transfer. The account shall not handle cash receipt and payment business. No cash may be withdrawn from the special deposit account for extra-budgetary funds, securities trading settlement funds, futures trading deposits and trust funds.