What do you look at in the bank statement, and how do you look at the bank statement?

Generally, you apply for a bank loan.

Banks will check the lender's bank statement, and if the bank statement is not up to standard, the loan will be a bit difficult. So, how do general banks view bank statements? Is a transfer considered a bank statement? Let's take a look with me!

What do you mainly look for in bank statements?

1. See if the income is up to standard.

In order to prevent the borrower from being unable to repay the loan, the lender will make clear requirements for the lower limit of the borrower's income, such as some loan products, which require a punch-in salary of more than 4,000 yuan, if your bank statement shows that the average income level in the recent period is only about 3,000 yuan, then it is very likely to be rejected.

2. See if the time is compliant.

Generally speaking, bank statements mainly look at the last 3 months or 6 months. If your bank statement shows the last 6 months' payroll statement, the lender can assume that your job is stable, and your repayments are clear and sustainable, all to ensure that the borrower has enough funds to repay the loan.

3. See if the running water is fake.

In many cases, bank statements cannot be provided, and some people will choose to submit fake bank statements. However, this approach is not advisable, mainly because the cost of bank flow is too easy to be identified, as long as the lending institution confirms to the bank, it will be found that there is a fake, and the result is that the loan is rejected because of false information.

Is a transfer considered a bank statement?

Yes, it can also be counted as a salary turnover. The so-called salary flow refers to the fact that the enterprise directly transfers the employee's salary to the salary card (debit card).

Since the salary is paid once a month, it is the salary flow to write out all the salary accounts.

Summary: As can be seen from the above, bank flow is crucial, and we should pay attention to developing the habit of running as much as possible in the flow of funds.

Hello! You can check the details of the ABC debit card through the following channels: 1

2.Online Banking: Please log in to your personal online banking and click on "Account Details of One Bank" to check the transaction details of your debit card account.

3.WeChat: Please pay attention to the "Agricultural Bank of China Micro Bank" WeChat***, click "Business Hall - My Account", log in and click "Account Details" to view the current details, or switch the card number at the top to view other details.

5. Counter: Please go to any business office in the country with a valid ID card for inquiry.

You can check the credit card details of ABC through the following channels:

1.Palm Bank: Please log in to the Palm Bank app and click [Home Page - Credit Card - Inquiry Bill - Historical Details] to query your credit card history details, issued bill details and unissued bill details;

2.Online Banking: Please log in to your personal online banking and click [Credit Card Inquiry and Details] to check your credit card history details;

3.WeChat: Please pay attention to the Agricultural Bank of China micro-bank WeChat***, click on the bottom of the page [Business Hall - My Account - Credit Card - Bill Information] to query the current bill details, unissued bill details, historical bill details, etc

4.Credit card WeChat: Please pay attention to the Agricultural Bank of China credit card WeChat***, click at the bottom of the page [Check Account Repayment - My Bill, I Want Installment - My Bill], and inquire about the current bill details, unissued bill details and historical account details of the credit card;

6.Counter: Please bring your valid ID card and credit card to any branch of the Agricultural Bank of China for inquiry.

You can inquire about the details of ABC's corporate accounts through the following channels: 1. Corporate Internet Banking: Please log in to Corporate Internet Banking, click "Account Management - Account Details Inquiry - Current Account", select one of the accounts for inquiry, and click the "Detail" button to print the detailed receipt of the account; Click "Account Management - Account Details Inquiry - Margin Account" and enter "Transaction Date" to query the details of a margin account.

2. Corporate Palm Banking: Please log in to the Corporate Palm Banking APP, click on the "Corporate Account" account, click on "Details" to view the account transaction details, and click on the "Calendar" icon in the upper right corner to enter the detailed query conditions. You can check the account balance and details of registered accounts (including margin accounts).

Bank statement: The deposit and withdrawal transaction records of the current account of the bank.

These four ways. 1. Bank counter inquiry: bring your ID card and bank card to the counter of a nearby bank outlet for inquiry; 2. Use the self-service inquiry machine to query:

Generally, banks will have self-service inquiry machines, which can be queried by entering the password after putting the ID card and bank card; 3. Online banking inquiry: online banking function needs to be opened; 4. Mobile banking inquiry: mobile banking function needs to be activated.

Method:

1. Bank counter inquiry. If users want to check the bank statement, they can bring their ID cards and bank cards to the nearby bank.

It is very convenient to inquire at the counter of the business outlets.

Of course, users need to pay attention to the fact that if it is used for loans, they also need to find bank staff to help stamp the seal of the bank's business outlets.

2. Use the self-service inquiry machine to query:Under normal circumstances, there will be self-service inquiry machines in banks, and users can check their bank statements by entering their passwords after putting their ID cards and bank cards.

At the same time, you can also use the self-service inquiry machine to print.

3. Online banking inquiry. The premise of using this method of inquiry is that the user needs to open the online banking function.

After activating this feature, users log in to their online banking. Find the statement of your personal account and select the period, and you can check the bank statement.

4. Mobile banking inquiry. This inquiry method is basically the same as online banking, users also need to open the mobile banking function, on the mobile phone ** bank APP, enter and password login, after entering the account, query the bill details.

You can see the account flow of the bank card. However, this method can only be queried, not printed.

If users want to check the bank statement, they can bring their ID card and bank card to the counter of the nearest bank branch for inquiry. At the same time, users can also enter the password for inquiry at the bank's self-service inquiry machine, after putting their ID cards and bank cards.

On the premise of opening the online banking function, users can log in to their own online banking, find the bill of their personal account, and then check the bank statement. It has to be said that users can also make inquiries through mobile banking. Users need to open the mobile banking function, users only need to log in to the mobile phone ** bank APP, enter and password, and then enter the account to query the bill details.

It should be reminded that users cannot print after querying on their mobile phones.

Extended information: 1. Bank flow refers to the abbreviation of bank account transaction details, which can not only reflect the financial strength, income characteristics, solvency, and business stability of the account owner, but also reflect the characteristics of different banks, the internal rules of account data, the occupation of the account owner, and consumption habits.

2. The printing of the bank statement is printed by the bank's characteristic paper, and its format and display content are also fixed formats, even if the format can be imitated, but the special paper is difficult to get, and secondly, even if the special paper and format, the technology of counterfeiting has been mastered, and finally the official seal of the bank needs to be stamped to take effect. If the above conditions are met, and the paper, format, content, and official seal are successfully faked, the bank or lending institution will often verify it. That is to say, you will go to the bank branch shown on your bank statement to verify the specific situation, whether you have a record of printing the bank statement, once the record is not found, then the lender will determine that the bank statement is suspected of fraud.

3. If the bank statement fraud is discovered, it will affect the personal credit investigation at least and cause the inability to make normal loans in the future, and at the worst it will also bear the corresponding form of responsibility, such as the crime of fraudulent loans. Therefore, the consequences of bank statement fraud are very serious, and the probability of fake bank statements passing the audit basically does not exist.

Operating environment: Computer: MacBookPro MOS14 Open Google version.

Apple 12, iOS 14, Industrial and Commercial Bank of China.

<> bank statement inquiry method:

1.Bring your valid ID and bank card to the business outlets of your bank for inquiry, and the bank staff will help the cardholder print out the bill.

2.Bring your bank card or passbook to the self-service inquiry device of the bank branch to print, but under normal circumstances, you can only print the last 10 bills.

3.Log in to personal online banking, open the personal account bill, query the billing cycle, and export the bill to view the flow of the bill.

4.Log in to the mobile banking app, view "My Account", and then click "Account Details" to view the ** water.

Bank statement is a kind of proof material to prove the income of an individual or company, and it is a necessary material to apply for a loan from a bank. According to the nature of the account, the bank flow is divided into ** water and corporate flow.

The personal account statement refers to the bank card (debit card) or bank passbook in the customer's own name, and the details of the deposit and withdrawal business transactions with the bank within a period of time. Corporate account flow refers to the list of bank customers' corporate bank accounts (opening basic corporate accounts) that have deposited and withdrawn funds with the bank for a period of time.

Bank statements, as a condition to prove the borrower's ability to repay, can help the borrower get a loan quickly.

Bank card statements are calculated based on bank deposits and transactions or withdrawals. For example, if you deposit 100,000 yuan today and withdraw 100,000 yuan tomorrow, your bank card turnover will be 200,000 yuan. The bank flow mainly examines the customer's capital flow to see whether the customer has a stable cash flow and reflects the customer's ability to repay the loan.