What is the difference between a general deposit account and a dedicated deposit account in a bank?

General Deposit Account General Deposit Account.

1. Functional definition: A general deposit account is a bank settlement account opened by a banking institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs.

Dedicated deposit account.

1. Functional definition.

A special deposit account is a bank settlement account opened by a depositor for special management and use of its funds for specific purposes in accordance with laws, administrative regulations and rules.

The basic deposit account refers to the depositor's daily transfer settlement and cash receipt and payment.

The bank settlement account opened is the depositor's main deposit account.

The scope of use of the basic deposit account includes: funds for the depositor's daily business activities.

Receipts and payments, as well as withdrawals of depositors' salaries, bonuses and cash.

The opening of a basic deposit account shall be handled in accordance with the prescribed procedures and relevant certificates shall be submitted.

File. A general deposit account refers to a depositor's basic deposit for borrowing or other settlement needs.

A bank settlement account opened by a bank business institution other than the bank where the account is opened.

The general deposit account is mainly used for the transfer of depositors' loans, the repayment of loans and their repayment.

He settles the receipt and payment of funds. Cash deposits can be made in general deposit accounts, but they are not.

Cash withdrawals.

The opening of a general deposit account shall be handled in accordance with the prescribed procedures and relevant certificates shall be submitted. File.

A business has only one basic account (which can withdraw cash) and can have multiple general accounts (which cannot be withdrawn) in a region. A temporary account is opened for a certain business and has a time limit, usually 2 years. If the special account is for special use, it is not open and used casually, such as a provident fund account.

Only one basic account can be opened for a business. Cash can be withdrawn!

Multiple accounts can be opened for a normal account. But you can't withdraw cash!

Temporary accounts are generally temporary for the purpose of handling a certain business!

In the case of a special account, it is generally a competition for a certain project. For example, the account built by the loan project is earmarked for special purposes. Supervised by the relevant authorities!

1. The purpose of the basic deposit account.

The basic account is mainly used to deposit, withdraw money, transfer the company's account, each company can only have one basic account, this account is the company's normal use of the account, you can deposit or withdraw funds at any time, the way to withdraw funds is through the company's cash check or transfer check.

2. General Deposit Account.

The general account is mainly used for transfers, a company can open a number of general accounts in each bank, the general account must be opened under the premise of the basic account, the general account can be deposited or withdrawn at any time, but the withdrawal of funds must be transferred to the company's basic account through the company's transfer check, and then withdrawn through the company's cash check.

3. Differences. Opening a basic deposit account is a prerequisite for opening a settlement account with other banks. According to the Administrative Measures for RMB Bank Settlement Accounts, an entity can only choose one bank to apply for opening a basic deposit account.

To apply for opening a basic deposit account, a depositor shall fill in an application form for opening an account, submit the above-mentioned documents, submit a seal card with the depositor's seal, obtain the approval of the bank, and open an account with the account opening permit issued by the local branch of the People's Bank of China.

If a depositor has already opened a basic deposit account with a bank, he or she may open another basic deposit account according to the nature of his funds and his management needs. Depositors are not allowed to transfer their basic deposit accounts because the depositary bank strictly enforces the system and enforces discipline. The People's Bank of China shall not issue an account opening permit to depositors who transfer their basic deposit accounts for the reasons mentioned in the preceding paragraph.

The general deposit account is mainly used for the transfer of depositors' loans, the return of loans and other settlements of the receipt and payment of funds.

Basic Deposit Account.

It is the receipt and payment of funds for the depositor's daily business activities.

As well as the depositor's salary, bonuses and cash withdrawals. The difference is that cash can be withdrawn from the basic deposit account, while cash cannot be withdrawn from the general deposit account.

The general deposit account only lacks the function of the basic account to withdraw cash, and other businesses are the same as the basic account. The company can only open a basic account, but the auxiliary account can open more than one, these auxiliary accounts you can slip on the account, you can also set up another account set, the business that is not easy to deal with is hidden in the designated auxiliary account, reflected in the other account, can help your boss to better carry out the oak business!

The basic deposit account and the general deposit account are both accounts opened by the enterprise in the bank, and the receipt and payment of funds for some daily business activities of the enterprise and the payment of employees' wages need to be operated through the special account of the enterprise. So what are the differences between a basic deposit account and a general deposit account? Let's find out.

1. The number of accounts opened is different: an enterprise can only open one basic deposit account, but it can open more than one general deposit account.

2. The function is different: the basic deposit account can withdraw cash, while the general deposit account can only handle cash deposit, not cash withdrawal.

3. The order of opening an account is different: generally the basic deposit account is opened first, and then the general deposit account is opened, and the enterprise can only open a general deposit account after obtaining the account opening license of the basic account.

The above is the difference between the basic deposit account and the general deposit account, I hope it can help.

Bank deposits are monetary funds deposited by a business with banks or other financial institutions. According to the Measures for the Administration of Renminbi Bank Settlement Accounts, bank deposit accounts can be divided into basic deposit accounts, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.

In accounting practice, the bank deposit business of an enterprise is accounted for through the accounts of "bank deposits", "cash in hand" and "accounts receivable". Among them, the "bank deposit" account is mainly used to account for various amounts deposited by enterprises in banks or other financial institutions. The debit balance at the end of the period of the account mainly reflects the various payments made by the enterprise in banks or other financial institutions.

However, bank draft deposits, cashier's check deposits, credit card deposits, letter of credit margin deposits, investment deposits, foreign deposits, etc., shall be handled through the account of "other monetary funds".

Bank deposits refer to the monetary funds deposited by a business with banks and other financial institutions. According to the provisions of the national cash management and settlement system, every enterprise must open an account in the bank, called settlement account deposit, which is used to handle deposits, withdrawals and transfer settlements. Bank deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts.

The basic deposit account refers to the account used by the enterprise for daily transfer settlement and cash receipt and payment. The general deposit account refers to the account opened by the affiliated non-independent accounting unit of the enterprise in a bank loan other than the basic deposit account and the enterprise that is not in the same place as the enterprise in the basic deposit account. Temporary deposit account refers to the account opened by an enterprise for the needs of temporary production and business activities.

A special deposit account is an account opened by an enterprise for a specific purpose.

Bank account refers to the financial account between the financial institution and the customer of the agreement within the institution, and is also the general name of the deposit account, loan account and current account opened by the customer in the bank. The types of bank accounts are divided into corporate bank settlement accounts and individual bank settlement accounts according to different depositors. The types of corporate bank settlement accounts are divided into the following:

The basic deposit account refers to the bank settlement account that the depositor needs to open for daily transfer settlement and cash receipt and payment, and can only open one; General deposit account refers to the bank settlement account opened by the depositor in a bank business institution other than the bank that opened the basic deposit account for the purpose of borrowing or other settlement needs; Temporary deposit account refers to a bank settlement account opened by a depositor for temporary needs and use within a specified period of time; A special deposit account refers to a bank settlement account opened by a depositor for special management and use of funds for a specific purpose in accordance with laws, administrative regulations and rules.