What is the difference between a receipt and a statement from a bank?

The main difference between a bank receipt and a statement is the purpose. Among them, the bank receipt is used as a voucher issued by the bank when an individual or company makes a payment or collection transaction in the bank.

The function of the bank statement is the detailed process of reconciling with the bank at the end of each month for units that have funds with the bank.

Extended information: Monthly statements, which generally include electronic statements and paper statements, refer to the loan center (credit card center) of the card issuer. After the cardholder's monthly bill date is settled, the cardholder's credit details will be sent to the cardholder's billing email address in an email, or printed as a statement and sent to the cardholder's billing address, indicating the consumption amount, minimum repayment amount, and final repayment payment period.

Cardholders should carefully check that the statements are consistent with previous statements. If there are any discrepancies, he can notify the bank and suspend the payment of the fee.

E-credit card statements are usually sent via email and include credit card account information, billing cycle, total amount due for the current period, summary of points by card number, transaction details, etc.

Minimum payment refers to the minimum payment that is deposited into the current bill before the final payment date. There will be no late fees, no active application, and no credit investigation, but the consumption in the bill is not interest-free. Interest will be calculated on all purchases in the current period from the date of account and charged at the daily interest rate (repayment will be made on time and in full, and interest-free period will be enjoyed for card purchases).

Minimum repayment amount = 10% of the current month's balance (5% for standard cards) + minimum repayment outstanding in the previous period, with a minimum payment.

The minimum payment is $100 to $20 for Gold and $50 to $10 for Regular (varies slightly by bank). If the minimum payment is not made within 30 days of the payment due date, the card will be suspended.

If the minimum repayment amount of the current bill is not paid off before the due date, a late fee will be charged; Based on 5% of the outstanding portion of the current bill, the minimum is $20 $3.

When there are transactions in your account and the amount exceeds a certain amount, we will send you a statement by regular mail at the address specified by you on a fixed date of each month (usually the third day after the statement date). If you do not receive your statement within 10-15 days after the statement date, please call our 24-hour service** immediately to avoid late repayment. The details of transactions and fees related to all cards under your name (including primary and supplementary cards) will be aggregated on the statement in RMB and USD respectively.

If you need to change your statement address, please call the 24-hour service**. We will verify your identity and send the declaration to the new address provided.

If your statement is lost, we can replace it for you. Sending statements for the last 3 months is free of charge, and there is a fee for sending statements for the last 3 months.

Receipt refers to the receipt of a certain business to the business handling personnel after the bank handles the transaction. Statement refers to all transaction details and account balances of an account for a particular trading session.

The receipt is the voucher specific to each of your businesses, and the statement is your monthly ledger, how much in and out on which day.

The main difference between a bank receipt and a statement is that it is used differently. Among them, the bank receipt is used as a certificate issued by the bank when an individual or a company makes a payment or collection transaction in the bank.

The role of the bank statement is the detailed flow of the accounts of the company that has the flow of funds with the bank at the end of each month.

There are three ways to print bank receipts and statements <>:

Bank counter inquiry: You need to provide the company's official seal and account name (bank outlets can be used to find the account opening) or the counter can print out the bill within the required time period.

Self-service printer inquiry: You need to bring a bank settlement card or receipt box card, swipe the card at the self-service inquiry machine, you can query the statement of the required time period, or click to print out the order.

Online banking inquiry: Log in to the online banking business hall, and provide login and password to log in. In "My Account", select "Electronic Receipt" in the function bar on the right side to query and print.

Because the receipt is a voucher for bookkeeping, if there is no one, it will cause an imbalance in the loan during bookkeeping, and it will not be reconciled. Place bank statements.

Get the non-cash business window to the salesman, and he will help to send the order back.

In addition, there is online banking.

If you can print the electronic receipt, you don't have to go to the bank to get the receipt, you can print it yourself.

Extended information: The difference between receipts and statements.

1. The definitions of the two are different.

The main body of the bank statement is the bank and the enterprise, the content of the reflection is the capital of the enterprise, and the form of the reflection is the record of the capital flow of the enterprise.

The receipt is that someone else pays you, you are the recipient, and the bank issues a voucher to your unit indicating that you have received the money and deposited it into the corresponding account. In addition to the receipt of payment, there is also a receipt when making payment, if the company has used online banking.

When making a payment, the bank will send the money to the other party's account, and there will be a receipt issued by the bank to prove that the money has been paid to the other party.

Second, the use of the two is different.

A bank statement is a voucher for checking and confirming the flow of funds between a bank and a business. For example: capital verification, investment, etc.

Bank receipt. That is, the receipt is the voucher for the bank to accept the customer's settlement business, including the deposit and withdrawal voucher, the receipt and payment voucher, the transfer voucher, the telecommunication remittance voucher, etc., and the accounting voucher prepared by the enterprise.

of the original basis. The bank collects the money on behalf of your unit and the management fee, interest note and other receipts collected by the bank.

Statement Notes:

1、"Minimum payment.

Don't use it lightly.

Many cardholders who are new to credit card statements do not understand why there is a column called "Parallel to the current period of arrears"."Minimum payment. "。

In fact,"Minimum payment. "It's for those who can't afford to pay back their credit card in full, and once you've made the minimum payment, you've used your credit card"Revolving credits", the bank will charge interest on all amounts owed from the date of accounting. But we won't see a hint on your statement.

2. Always keep the credit limit in mind.

In the top left corner of your credit card statement, there's usually a column that tells you how much credit you have. The so-called credit limit is the total amount that a credit card holder is allowed to overdraw.

A common misconception is that you forget your credit limit. If you accidentally exceed the credit limit, not only will you not be able to enjoy the interest-free treatment, but you will also be charged an overlimit fee.

3. Don't move the cash advance amount.

In the top left corner of the credit card statement, immediately after the credit limit, there will usually be one"Cash advance limit"The meaning of the project is that the bank authorizes you to get from the ATM.

The amount of cash withdrawn is generally 20 to 50% of your credit limit and is included in your credit limit.

After the bank receipt is handed over to you every month, the bank statement will come to you if the balance is not right. Look at those that are outstanding accounts and omissions.

The bank deposit journal is registered according to the bank receipt (bank receipt or payment document), so it is simply the corporate bank deposit journal and bank statement registration.

Bank receipts and bank receipts are both original vouchers, in which bank receipts are vouchers for banking business, for example, if you pay the local tax with bank deposits, then the bank receipt is a payment voucher. The bank bill is a voucher for the bearer or payee to deposit the bill money into its bank account, and it is also a voucher for the bank to credit the bill into the account of the bearer or payee.

There are three bank bills and two bank bills. Different bearers should use different bank receipts according to the regulations.

When the bearer fills in the bank bill, he must clearly fill in the bill type, the number of bills, the name of the payee, the bank of the payee, the name of the payer, the bank of the payer, the amount of the bill, etc., and hand over the relevant bills to the bank handling personnel.

For the two-joint bank bill, after the bank accepts, the bank should affix the transfer seal on the first copy and return it to the bearer, and the bearer will keep the account by it. After the check is deposited in the bank, the check will remain in the bank, but the bank will issue an incoming bill to the enterprise, and the enterprise will record the account with the incoming bill, indicating that the money on the cheque will be transferred to the bank deposit of the enterprise.