I. Bank Savings Card
Wages can be paid by any bank. Under normal circumstances, enterprises will pay through bank accounts. Therefore, the situation of each enterprise is different, and any bank can do it, depending on which bank the enterprise signs an agreement with. Commonly used banks are: China Construction Bank, China Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Postal Savings Bank and other banks. These banks can apply for a savings card as a unit salary card. Savings cards can be used for savings deposits, credit card consumption, cash withdrawal by transfer, etc.
Second, the salary card
The salary card is the original record to record the salary level and standard. The labor and personnel department establishes a salary card for each employee who enters the factory. Its contents mainly include: name, position (title or type of work), salary grade, salary standard, work department, date of joining the work, date of transferring from the work, etc. The salary card is established when employees enter the factory, and cancelled when employees transfer or retire. The financial department issues or stops issuing employees' salary bank cards according to the salary cards, which refers to a credit payment tool approved by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
The second-class bank card refers to the bank card with transaction limit, and the maximum amount of entering and leaving the second-class bank card every day is 6,543,800 yuan.
1, transfer-out amount of bank card
The maximum amount of transfer-in and transfer-out for the whole year is 200,000 yuan. If the monthly salary does not exceed 654.38+0,000 yuan, the second-class card will not affect the wage income. If the monthly salary exceeds 654.38+0,000 yuan, the second-class card will have a certain impact on the wage income. Wages exceeding 654.38+0,000 yuan can only be transferred the next day.
2. Definition of bank card
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true. 20 13 the people's bank of China recently issued the measures for the administration of bank card acquiring business, hereinafter referred to as the measures. The Measures clarify the connotation of bank card acquiring business and the scope of application of the Measures, comprehensively standardize the risk management of acquiring institutions in terms of qualification examination, business inspection, transaction monitoring, information security and fund settlement, and put forward strict regulatory requirements.