General account is a general deposit account, which refers to a bank settlement account opened by depositors in banking institutions outside basic deposit account for loans or other settlement needs. General deposit accounts can be used for active settlement and cash deposits. If the general account holder is an account for convenient transfer and deduction, the general account can only be opened if there is a basic account.
A basic bank account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment. Basic account is the depositor's main account, and the depositor's daily business activities, wages, bonuses and cash withdrawals are handled through this account. Basic households are also the main source for tax authorities to check the operating income of enterprises.
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Precautions for opening an account:
1. basic deposit account and general deposit accounts may not be opened in the same business institution;
2. General deposit accounts can only handle cash deposit business, not cash withdrawal business.
3. The general deposit account is a record-keeping account, and its "official account opening date" is the date when the bank handles the account opening procedures for depositors.
4. According to the regulations, the opening, alteration and cancellation of general deposit accounts need not be approved by the People's Bank of China, but only be filed in PBOC system.
Baidu Encyclopedia-Basic Account
Baidu encyclopedia-general deposit account