1, different concepts:

A general deposit account is a bank settlement account opened by depositors in banking institutions outside basic deposit account for loans or other settlement needs. There is no limit to the number of general deposit accounts that depositors can open, but general deposit accounts cannot be opened in banks where depositors open accounts in basic deposit account;

Special account refers to an account with special funds, which can withdraw cash, but it needs the approval of the People's Bank of China. General finance and architecture. Temporary account refers to the bank settlement account opened by depositors for temporary needs and use within the prescribed time limit.

2, the scope content is different:

A general deposit account is used to deposit settlement funds such as depositors' loans and loan repayment. This account can be used for cash deposit, but cash cannot be withdrawn. There is no limit to the number of accounts opened. When opening a general deposit account, the depositor shall fill in the application form for opening an account and issue the following documents to the opening bank:

(1) issue the certification documents designated by basic deposit account;

(2) basic deposit account account opening permit;

(3) Depositors who need to borrow money from banks should issue loan contracts.

The contents of special accounts include special fund depositors: enterprises and units that are suitable for the task of withdrawing and transferring allocated funds; Lender: the loan part that is applicable to the verification of enterprise loan households; Temporary purchase account: applicable to enterprises and units that purchase temporarily in different places.

Legal basis: Article 5 of the Measures for the Administration of Bank Accounts.

A general deposit account refers to an account opened by a subsidiary non-independent accounting unit that depositors borrow from banks outside basic deposit account, and is not in the same place as depositors in basic deposit account.

Depositors can handle transfer settlement and cash deposit through this account, but they cannot handle cash withdrawal.

Article 7

A special deposit account is an account that depositors need to open for a specific purpose.