2. Inter-bank transfer (including inter-bank in the same city and inter-bank in different places):

Ordinary method:

① For amounts below 50,000 yuan (inclusive), use the small payment system , 7×24 hours support for payment. When customers check the transaction progress of corporate online banking, they see that the status is Transaction Successful, which means that the funds have arrived at the beneficiary bank. The arrival time varies according to the beneficiary bank's account entry mechanism;

② If the amount is more than 50,000 yuan, go Large value payment system is processed during working hours.

Expedited method: Regardless of the amount, use the large-amount payment system and can only be processed during working hours.

3. Inter-bank real-time transfer: Use the People's Bank of China's super online banking system, transactions under 50,000 yuan are received in real time, and payment is supported 24/7.

Warm reminder: Working hours refer to Monday to Friday 8:45-17:00. If it is after 17:00 on working days or during non-working hours such as holidays, the transaction instructions submitted to the bank will be held (accepted by the bank) until the system is opened on the next working day for processing.

Public accounts refer to basic accounts, general accounts, temporary accounts and special accounts.

A company can only open one basic account. Others such as: general accounts, a company can open multiple accounts according to business needs, there is no limit on the number. The Account Management Regulations of the People's Bank of China: A company can only open one basic account, but can open multiple general accounts. If you also need to open an account that can withdraw money, and the funds have certain special uses, then you can You can also withdraw money by applying for a special account with the bank.

Basic deposit

Basic deposit account is a bank settlement account that depositors need to open for daily transfer settlement and cash collection and payment. An enterprise or institution can only open one basic deposit account at one bank. Depositors' wages, bonuses and other cash withdrawals can only be processed through the basic account.

General deposit

A general deposit account is a bank settlement account opened by a depositor at a banking institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs. This account can handle transfer settlement and cash deposits, but cannot handle cash withdrawals.

Special deposits

Special deposit accounts are bank settlement accounts opened by depositors in accordance with laws, administrative regulations and rules for the special management and use of their special-purpose funds. Special deposit accounts are used to handle the collection and payment of various special funds. Special deposit accounts that allow cash withdrawals must be approved.

Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton, and oil purchase funds, unit bank card reserve funds, securities transaction settlement funds, futures trading margins, financial institutions' interbank funds, and income You can apply for the opening of a special deposit account for remittance funds and business expenditure funds, funds for the organizational structure of the party, league, and trade union in the unit, and other funds that need to be specially managed and used in accordance with regulations.

Temporary deposit account

A temporary deposit account is a bank settlement account opened by a depositor for temporary needs and used within a specified period. Used to handle the collection and payment of funds for temporary institutions and depositors’ temporary operating activities. Cash withdrawals from temporary deposit accounts should be handled in accordance with national cash management regulations. The scope of opening a temporary deposit account: establishment of temporary institutions, temporary business activities in other places, registration and capital verification.