The bank's personal settlement business has the following functions: first, current savings, which can access the deposit principal and pay interest through personal settlement, and the interest of this account is calculated according to the interest of current savings; Second, the general transfer function, through opening a personal bank settlement account, handles remittance, paying basic daily expenses such as water and electricity, paying wages and other transfer settlement services, and uses transfer tools such as remittance, entrusted collection, debit card, regular debit, regular credit and electronic wallet (ic card); Third, use credit payment tools such as checks and credit cards through personal bank settlement accounts. Personal settlement business income includes (1) salary and bonus income. (2) Income from labor services such as manuscript fees and performance fees. (three) the principal and income of bonds, futures, trusts and other investments. (4) Income from the transfer of personal creditor's rights or property rights. (5) Personal loan transfer. (6) Securities trading settlement funds and futures trading deposits. (7) Inheritance and money donation. (eight) insurance claims, premium refund and other funds. (9) Tax refund. (ten) sales revenue of agricultural and sideline products and mineral products. (eleven) other legitimate funds.