1, different concepts.

Basic deposit account is the main account for transfer settlement and cash receipt and payment, and the fund receipt and payment of daily business activities and the withdrawal of wages, bonuses and cash can be handled through this account. A depositor can only open a basic deposit account in a bank.

A general deposit account is a bank settlement account opened by depositors in banking institutions outside basic deposit account for loans or other settlement needs. There is no limit to the number of general deposit accounts that depositors can open, but general deposit accounts cannot be opened in depositors' banks in basic deposit account.

Special account refers to an account with special funds, which can withdraw cash, but it needs the approval of the People's Bank of China. General finance and architecture. Temporary account refers to a bank settlement account opened by depositors for temporary needs and use within a specified period of time.

2. Different scope and content

The scope of use of basic deposit account includes: the receipt and payment of funds for depositors' daily business activities, as well as the withdrawal of depositors' wages, bonuses and cash. Basic deposit account should open and submit relevant documents according to the prescribed procedures.

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.

The contents of the special account include: special fund depositors: enterprises and units suitable for the task of withdrawing and handing over allocated funds; Lender: the loan part that is applicable to the verification of enterprise loan households; Temporary purchase account: applicable to enterprises and units that make temporary purchases in different places.

3. Different uses

Basic deposit account is used for the receipt and payment of depositors' daily business activities, as well as the withdrawal of depositors' wages, bonuses and cash. The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. The purpose of special account includes capital construction funds, renovation funds and funds that need special account management for specific purposes.

Extended data:

General account opening requirements

There is no limit to the number of ordinary deposit accounts that depositors can open. Depositors can choose their own banks with different business ideas, which can not only enjoy the special services of different banks, but also disperse the possible capital risks in opening an account in one bank. However, it needs to be clear that a general deposit account cannot be opened in basic deposit account (referring to the same business institution) in the depositor's bank.

To open a general deposit account, the depositor shall fill in an application for opening an account and issue the following documents to the bank where the account is opened:

1. Open the certification documents designated by basic deposit account;

2. basic deposit account account opening permit;

3 depositors need to borrow money from banks, and should issue loan contracts;

4. Due to the need of fund settlement, depositors should issue relevant certificates to handle account opening procedures.

References:

Baidu Encyclopedia-General Account