What does savings account balance mean, what does account balance mean What is account balance

Savings account refers to a RMB savings account opened by a natural person in the name of a natural person in a bank savings institution with a valid personal identity document. Its main purpose is to generate interest income. Extended Information:

Main species Current savings refers to the deposit of RMB funds by individuals into bank savings institutions without a fixed deposit period. Individuals can renew or withdraw at any time with the certificate issued by the savings institution, and the deposit and withdrawal amount is not limited. Lump sum deposit refers to the domestic and foreign currency deposits agreed between the customer and the bank to deposit the principal at one time and withdraw the principal and interest at maturity, or require the bank to automatically transfer the deposit according to the original deposit period.

Lump sum deposit refers to the deposit method in which the deposit period is agreed upon when opening an account, the principal is deposited in installments, and the principal and interest are withdrawn at maturity. It is characterized by a monthly deposit, and the monthly deposit amount is fixed, which is suitable for people who have a regular monthly income but do not have much savings. If there is any omission between zeros and withdrawals, it should be made up in the following month.

If you do not make up the amount, you will be deemed to have breached the contract. Interest is calculated at the current interest rate at the time of withdrawal for the portion deposited after default. "Lump sum deposit" refers to a kind of fixed savings in which an individual deposits a large amount of RMB funds at one time, gradually withdraws the principal in equal installments, and withdraws interest at maturity.

"Living two pennies" means that an individual deposits the principal of RMB at one time, and pays all the principal and interest at one time when withdrawing, without an agreed period. When the number of deposit days reaches or exceeds the deposit period corresponding to the lump sum deposit and withdrawal (the maximum deposit period is one year), the interest rate shall be determined according to a certain percentage of the interest rate of the fixed lump sum deposit and withdrawal period listed on the withdrawal date, and the interest will not be calculated in stages. If the number of deposit days does not reach the minimum deposit period for lump sum withdrawal, the interest shall be calculated according to the current interest rate listed on the withdrawal date.

Deposit principal and interest withdrawal refers to a kind of deposit that deposits the principal at one time, withdraws the interest in installments, and withdraws the principal at maturity. Call deposit refers to a deposit method in which the depositor does not agree on the deposit period at the time of deposit, but must notify the bank in advance to agree on the amount and date of withdrawal. Regardless of the actual deposit period, call deposits are divided into 1-day call deposits and 7-day call deposits according to the length of advance notice given by the depositor.

The peculiarity of this type of deposit is that if you have a large amount of short-term idle funds, you can earn higher interest income on the basis of maintaining liquidity. The last type is education savings, which refers to preferential savings that are only available to students in the fourth grade of primary school and above. When opening an account, the depositor should agree with the bank on a fixed monthly deposit amount and deposit it in installments.

If there is any omission on the way, it will be made up in the next month; If the margin is not made up, it will be deemed to be in default, and the part deposited after default will be regarded as the interest rate of the deposit, and the income tax on the interest on the savings deposit will be levied. When withdrawing, the principal and interest can only be exempted from the interest rate and interest tax stipulated by the state by presenting the passbook and the identity certificate of non-compulsory education students provided by the school (it must be valid in the current year, and one certificate can only enjoy the preferential interest rate once).

The balance of the savings account should be the credit given to you by the activities you participate, and the balance of the savings account can only be spent according to the rules of the event.

1. The account balance refers to the remaining money in the telecom account, because at present, the domestic operators are all in the form of prepayment in Caichang, which is to deposit money into the account before using the service. Therefore, the account balance is the meaning of how much money is left in advance.

2. Special balance: The special balance refers to the balance of the phone bill that can be used for a single product, which generally refers to the mobile phone number of Telecom Tianyi. Whether the special balance is returned on a monthly basis mainly depends on which telecom mainstream is customized**, and whether it is returned on a monthly basis according to the design of **, and most of the ** are returned on a monthly basis before the rapid reputation.

3. The account is the account opened by Qingzi, such as: the ** account of China Mobile, China Unicom, China Telecom, Netcom, and Tietong; personal or business accounts with various banks; The account of Alipay, Tenpay and other online payment instruments, the amount of unused currency in these accounts is the account balance.

The available balance is the balance that can be used, and the account balance is the actual balance on the account.

1. If the account balance on your debit card is not the same as the available balance, it means that you have unfinished business. For example, if the purchase is not operated during the business processing time, the purchase will be temporarily frozen and the business will be completed within the next business hours. For example, if the purchase is not operated during the business processing time, the purchase will be temporarily frozen and the business will be completed within the next business hours.

2. For the purchase of wealth management products, the money will only be transferred away at the end of the period, and the funds will only be frozen during the fundraising period. All of the above operations can be revoked. If you cancel the available balance and the account balance, it will be the same.

3. There is also a situation of judicial freezing, part of the balance is frozen, and the available balance is the actual balance of the account minus the frozen balance. Credit cardIf you have your own money in it, the available balance is your credit limit plus your deposit. The account balance is your own deposit balance.

For example, the China Postal Savings Card as we know it.

Details of the account balance and available balance of the Postal Savings Card of China:

1. Account balance and available account balance:

1) Postal Savings Card of China Account Balance: The actual deposit balance up to now;

2) Available balance of Postal Savings Card of China: The current available limit, including the deposit and credit limit and excluding the used limit.

Second, if the account balance and the available balance on the debit card are not the same, it means that there is a business that has not been completed. When purchasing wealth management products, the money will only be transferred away at the end of the period, and the funds will only be frozen during the fundraising period.

Third, there is also a judicial freeze, part of the balance is frozen, and the available balance is the actual balance of the account minus the frozen balance.

Note: If the bank does not post the account in time, it may show that the balance on the bank card is not the same as the available balance.

Extension: 1. Account balance and available balance are not the same thing, they are different concepts. For example, the account balance displayed at the ATM refers to the current balance of your bank card, and the available balance refers to the money you can withdraw at the ATM on the same day.

It should be less than or equal to 20,000 yuan, because the limit of the ATM is 20,000 yuan), when your bank card balance is greater than 20,000 yuan, there will be inconsistencies between the account balance and the available balance.

2. The actual balance of the balance account is used for balance freezing, and the balance credit limit of the credit card is used for self-deposit, plus the balance of the deposit account is used for the credit card self-deposit balance.

3. The balance of the debit card account is used to indicate that the business is not completed, and the business is cancelled and the balance of the account is cancelled.

The balance means: the remaining space in the quota; The amount remaining in the accounts.

The account balance is referred to as the "balance", which refers to the difference between the total amount of the two parties in the account. It is divided into two types:

1. The balance of the debit accounting account. It includes: the debit balance of the asset class account.

The calculation formula is as follows: the debit balance at the beginning of the accounting account + the debit amount in the current period and the credit amount in the current period = the debit balance at the end of the accounting account; The calculation formula for the credit balance of negative and equity accounts is as follows: the opening credit balance of the accounting account + the amount of the ** party - the debit amount of the current period = the credit balance at the end of the accounting account.

2. Increase or decrease the balance of the accounting account. The calculation formula is as follows: the balance of the account at the beginning of the period + the amount of the increase in the current period is almost a good amount of the current period = the balance of the account at the end of the period.

In the case of the use of the increase and decrease accounting method, the balance of the account is generally the increase balance, and the decrease balance also occurs under individual conditions, and the account balance is calculated differently according to different situations: each settlement balance. Register every economic transaction.

Require the balance to be calculated on a case-by-case basis; Daily closing balance.

When the account records require daily clearance, the balance shall be calculated daily; Balance per page. Some accounts do not need to calculate their balances on a transaction-by-case, daily basis, and their balances should be calculated when the page is credited to the last line, so that the page can be crossed; Regular settlement of the remaining vehicles: In the case of customized summary and registration of the total, the balance of Shude should be calculated regularly for account reconciliation; Monthly balance, for some accounts, the balance can be calculated at the end of the month.